No. Compare the home’s total price and the full loan terms alongside the advertised incentive. A credit or rate promotion can be valuable, but it should be evaluated with the conditions attached and competing written offers.
Ask what the offer requires
Get the incentive in writing. Ask whether it depends on a particular home, closing date, lender or title provider. Clarify which costs the credit can cover and whether other pricing choices change when you select it. An advertisement rarely explains every part of the transaction.
Compare financing on a consistent basis
Ask lenders to explain the loan type, rate, points, fees and credits in their Loan Estimates. Compare offers using the same loan amount and similar timing where possible. Review the projected payment and cash to close, then ask what changes after any temporary promotion ends.
Include the house itself
A financing incentive cannot make an unsuitable layout or location fit your routine. Include lot premiums, selected features, taxes, insurance and recurring community costs in the comparison. Also consider whether the home’s completion timing works with your existing housing arrangements.
Use a written side-by-side comparison
Keep the home price, upfront costs and loan details in separate columns so you can see the tradeoffs. I can help organize the property and purchase terms while your lender explains the financing. Choose with a clear understanding of the complete offer rather than the largest advertised credit.
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