New construction only

Your new home
at 3.99%.

Your agent has access to a builder-funded rate buydown on new construction. When the national 30-year rate sits above 7%, you can still buy at less than half that.

The builder covers the cost. You get the rate. Get verified first and your agent takes care of the rest.

Get verified — takes 5 minutes

No credit pull. No commitment. Just your numbers.

Current rates, week of Jun 1, 2026

FHA
from 3.99%
3.5% down · 700 FICO
Conventional
from 4.99%
5% down · 780 FICO
Jumbo
from 5.00%
25% down · 780 FICO

Rates change weekly and depend on your loan profile and the specific property. Your loan officer will confirm what applies to you.

How it works

Four steps to the rate.

01
Get verified on Affordify
Connect your bank or upload a few documents. You get a verified buying power number in about five minutes. No credit pull.
02
Pick your new home
Your agent knows which new construction properties qualify for the program. The rate applies to builder inventory, not resale.
03
Your agent handles the rest
Your agent and loan officer coordinate directly with the builder. The buydown gets written into your purchase contract.
04
Close at the lower rate
Your loan closes through standard channels. The below-market rate is locked in at contract. Nothing unusual at the table.
Why verify first

Builders only work with buyers who are ready.

Getting your readiness score through Affordify tells your agent and the builder that you can actually close. It takes five minutes, no credit pull, and your loan officer gets the same data you do.

Bank-verified income and assets
DTI calculated before you make an offer
No credit hit — soft pull only
Done in under five minutes
Affordify Readiness
Verified
Sarah J. | buying power
$487,000
Income
$8,400/mo
Assets
$62,300
DTI
28%
Qualifies for FHA 3.99% 5/1 ARM. Builder buydown available.

Find out what you qualify for.

Five minutes. No credit pull. Your agent gets your verified numbers and can start working the builder rate program for you.

Get verified now

New construction only. Rates updated weekly and subject to borrower qualification, property eligibility, and lender approval. Your loan officer will confirm what applies to your specific situation.