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Builder incentives in new construction are often structured differently than buyers expect. In many communities, incentives are applied early in the transaction — frequently toward interest rate adjustments or lender-specific costs. Because of that, buyers may already be utilizing the maximum incentives allowed under their loan program. That means there may not be room to layer additional credits later without creating confusion or unused value. This isn’t negative. It simply means structure matters. Understanding how incentives are applied — and in what order — helps prevent misunderstandings and ensures they’re aligned with your financing strategy from the beginning. If you’re considering new construction and want clarity before visiting a builder, you can schedule a short Virtual Buyer Strategy Call below. 🔗 Book Your Virtual Buyer Call: https://saveandbuild.com/schedule-page Save & Build™ Virtual-First Buyer Platform Brokered by Fathom Realty Information About Brokerage Services available upon request. This video is educational and not legal advice. 00:00 Why Incentives Don’t Work the Way Buyers Expect 00:14 How Builder Incentives Are Structured 00:32 Where Incentives Are Applied First 00:50 Why Credits Don’t Always Stack 01:08 What Happens When Structure Is Missed 01:20 Strategy Before You Commit