This page is for real estate and mortgage professionals. Rate information is for reference only and does not constitute a loan offer or commitment to lend.
New construction only · NAHB program
When rates are above 7%, you can still offer 3.99%.
Builder-funded buydown through the National Association of Home Builders. Your buyer gets a below-market rate. The builder moves sitting inventory. You close the deal.
They connect their bank or upload documents on Affordify. Takes five minutes. You get a full readiness report: income, assets, DTI, buying power.
02
You email Steve the address
Send Steve McKanna the property address and your buyer's Affordify report. He checks eligibility against the NAHB program and confirms the applicable rate.
03
Steve works the builder
Steve contacts the builder's sales team directly. He walks them through accessing the pool of funds and confirms the buydown amount.
04
Closes like any other deal
The builder writes the buydown into the purchase contract as seller concessions. Your buyer closes through standard channels at the below-market rate.
Your contact
Steve McKanna
Steve sits on the Education Committee of the National Association of Home Builders and manages access to the NAHB builder buydown pool. When you send him an address, he checks it against the program, contacts the builder's sales team directly, and walks them through the buydown process.
He has coverage in all 50 states and direct relationships with HERS raters for energy scoring where needed. Send him the property address and your buyer's Affordify readiness report.
All 50 states
Direct builder relationships
HERS rater network
NAHB Education Committee
Current rates, week of Jun 1, 2026
Full rate sheet
Builder cost is paid by the builder, not the buyer. Your buyer gets the rate. The builder moves the inventory.
FHA
ProductRateAPRBuilder cost
5/1 ARMBest value3.99%APR 4.004%4.75 pts
5/1 ARM4.25%APR 4.264%3.50 pts
30 Yr Fixed4.49%APR 4.512%6.875 pts
30 Yr Fixed4.75%APR 4.773%5.125 pts
Conventional
ProductRateAPRBuilder cost
5/6 SOFR ARM4.50%APR 4.521%4.50 pts
30 Yr FixedBest value4.99%APR 5.013%6.25 pts
30 Yr Fixed5.25%APR 5.273%5.125 pts
30 Yr Fixed5.50%APR 5.525%3.875 pts
Jumbo
ProductRateAPRBuilder cost
5/6 ARM5.00%APR 5.005%2.75 pts
7/6 ARM5.00%APR 5.005%3.375 pts
30 Yr Fixed5.00%APR 5.005%4.625 pts
Rates shown based on the following pricing scenarios: FHA: 3.5% down, 700 FICO, $400,000 loan amount. Conventional: 5% down, 780 FICO, $400,000 loan amount. Jumbo: 25% down, 780 FICO, $2,300,000 loan amount. Your actual rate and APR will depend on borrower qualification, property eligibility, and lender approval. Rates change weekly. Contact Steve McKanna for current availability.
Start offering this to your buyers.
Sign up on Affordify, invite your agents, and share your landing page. When a buyer is ready, email Steve with the address and their readiness report.