If a mortgage sounds too good to be true… it probably is.
In this episode, Kevin Martini pulls back the curtain on one of the most common — and costly — traps homebuyers fall into: builder "special financing."
You know the offer.
The low headline rate.
The incentive that feels like free money.
The promise that this deal is too good to pass up.
But here's the uncomfortable truth:
many of these incentives don't lower your cost — they repackage it.
Kevin explains why builder incentives often work more like a sales tactic than a savings strategy, how this approach mirrors the automotive industry, and why buyers frequently pay far more than they realize — sometimes tens of thousands more — without seeing it on paper.
You'll also learn:
Why incentives that only work with one lender tell you everything you need to know
How focusing on the payment can quietly mask a higher total cost
The simple question that instantly reveals whether an incentive is real
Why new construction can look like a deal while actually being the most expensive option
And how getting a second opinion can completely change the math — and the outcome
If you're considering new construction — or even thinking about it — this is one episode you'll want to hear before you fall in love with the brochure.
🎧 Listen now — and share this with someone who's being shown "special financing."
