Are you feeling a bit stuck because of the interest rates lately? I hear it all the time. You find a home you love, but then you look at the monthly payment and think, "Maybe next year." Well, I have some news that might change your mind.
The market is shifting, and right now, Orlando builders are doing something incredible to help buyers get into homes without the "rate shock." They are offering massive incentives, specifically interest rate buy-downs. We’re talking fixed rates as low as 4.99%!
Every Monday, I put together my Orlando Quick Move-In Roundup to show you exactly what’s available right now. My executive assistant, Eva, sent me this week's property list on Friday, and I’ve picked out the five best deals that feature these lower rates. These aren't just "maybe" homes, these are quick move-ins ready for you to pack your bags.
Stay in the Know and let’s dive into these deals!
1. Holiday Builders: The 4.99% Fixed Rate Steal
Holiday Builders is currently running a promotion through June 30th that is hard to beat. They are offering a 4.99% fixed interest rate on select move-in-ready homes. This isn't a temporary teaser rate; it’s a 30-year fixed deal for qualified buyers who use their preferred lender.
Sarah from Holiday Builders sent me this deal last week and I had to share it with you. She highlighted a beautiful 3-bedroom home that is perfect for first-time buyers or anyone looking to downsize without sacrificing quality.
The Scoop:
- Rate: 4.99% Fixed
- Incentive: Closing cost assistance available.
- Location: Scattered sites across the Orlando metro area.
- Action: Ask for Sarah and tell them Nicole Perpillant sent you!
2. D.R. Horton: The "Spend It Your Way" Special
D.R. Horton always has a great inventory, but their current "Incredible Specials" are specifically designed to combat high rates. They are offering 4.99% interest rates alongside "spend it your way" cash, anywhere from $5,000 to $15,000! You can use that extra cash to lower your price even further or cover your closing costs.
Mark from D.R. Horton sent me this deal last week and I had to share it with you. He’s seeing a lot of families jump on these because they can get more house for a lower monthly payment than they could six months ago.
The Scoop:
- Rate: 4.99% Fixed (FHA/VA options).
- Bonus: Up to $15,000 in flex cash.
- Action: Ask for Mark and tell them Nicole Perpillant sent you!
3. Highland Homes: Capped Rate Security
If you’re looking for a little more flexibility but want to make sure your rate doesn’t skyrocket, Highland Homes has a unique FHA program. While some of their introductory rates start even lower, they have a cap at 4.99% for select move-in-ready homes.
Jennifer at Highland Homes sent me this deal last week and I had to share it with you. This is perfect for buyers who want the security of a cap while benefiting from a lower entry rate.
The Scoop:
- Rate Cap: 4.99%
- Availability: Select communities in the Greater Orlando area.
- Action: Ask for Jennifer and tell them Nicole Perpillant sent you!
4. Dream Finders Homes: Summer Steals & Deals
Dream Finders is currently hosting their "Summer Steals & Deals" event. While they have some rates starting as low as 2.99% for the first year, they have fantastic fixed-rate options that sit right in that 4.99% sweet spot for the life of the loan.
Chris from Dream Finders sent me this deal last week and I had to share it with you. Their floor plans are incredibly modern, and they often include features that other builders charge extra for.
The Scoop:
- Incentive: Significant savings on inventory homes.
- Vibe: Open concepts and high-end finishes.
- Action: Ask for Chris and tell them Nicole Perpillant sent you!
5. M/I Homes: The 2/1 Buydown Advantage
While M/I Homes is famous for their quality, their current financing incentives are the real star. They are offering 2/1 buydowns that make your first-year payments incredibly low, but they also have long-term fixed options near 4.99% for those who want that permanent stability.
Ashley from M/I Homes sent me this deal last week and I had to share it with you. Their communities often have the best amenities, like resort-style pools and walking trails.
The Scoop:
- Benefit: Lower initial payments to help you settle in.
- Amenities: High-quality community features.
- Action: Ask for Ashley and tell them Nicole Perpillant sent you!
FIND YOUR PERFECT HOME
If you’re tired of searching through old listings and seeing high rates, it’s time to look at new construction. You get a brand-new home, a warranty, and, most importantly right now, a much lower interest rate thanks to these builder incentives.
You can browse all of these and more right here:
New Construction Search
WHAT’S MY HOME WORTH?
Are you looking to sell your current place before moving into one of these new beauties? I can help with that too. Getting a property valuation is the first step in planning your move. Knowing your equity can help you decide how much to put down on your new Orlando home.
DOWNPAYMENT ASSISTANCE
Did you know there are programs that can help you with your down payment? Especially for first-time buyers or those in specific professions, there is money on the table that you might be missing.
Check your eligibility here:
Downpayment Assistance Tool
PREFERRED LENDERS
If you have questions about how these rates work or want to get pre-approved to see what you qualify for, reach out to one of my trusted partners. They know the Orlando market inside and out!
- Antoinette Pender (Security National Mortgage)
407-310-3865 | Your Mortgage Lady Net - Tia Peeks (Edge Home Finance)
(540) 809-6562 | Tia's Website - Jess Ford (Green Oak Lending)
(734) 203-7658 | Green Oak Lending
CALL RACHEL!
Got questions? Ready to go see one of these homes in person? Rachel is at the office and ready to help you schedule a tour or get more details on these specific incentives.
Call: 1 (407) 904-1853
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*We hope all the information is correct, but please contact Nicole Orlando Realtor or the community directly to verify all details, incentives, and availability. Call Rachel at 1 (407) 904-1853 for the most up-to-date info.