New construction only
3.99%
APR 4.004%
FHA 5/1 ARM loan

Your new home at a rate most buyers can't access.

When the national 30-year rate is around 6.5%, qualified buyers on new construction can access a rate as low as 3.99% through a builder Forward Commitment program.

The cost is covered through the purchase structure, not an out-of-pocket expense for the buyer. Get verified first and your agent takes care of the rest.

How much more could you afford with a rate this low?

Get verified and find out your real buying power at 3.99%.

Get verified, takes 5 minutes Learn more about this program

No credit pull. No commitment. Just your numbers.

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 new construction inventory.
03
Your agent handles the rest
Your agent and loan officer coordinate with the builder. The rate 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.
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 5/1 ARM at 3.99%. APR 4.004%.

Need more buying power?

Five minutes. No credit pull. Find out what you qualify for at 3.99% and see how much further your budget goes.

Get verified now Learn more about this program

Rate shown is 3.99% / APR 4.004% on a FHA 5/1 ARM loan. New construction only. Rates updated weekly and subject to borrower qualification and property eligibility. The cost of the rate buydown is covered through the purchase structure via a Forward Commitment program. Your loan officer will confirm what applies to your specific situation.