Are mortgage buydowns a lifeline or a risk for new homebuyers?
Large builders' mortgage buydowns may inflate new-home prices and risk resale values, while builders contend buydowns improve affordability and speed equity building.
Monthly mortgage payments for new and existing homes are nearly equal, driven by stagnating new-home prices and larger builder mortgage buydown incentives.
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The economy is not collapsing but being quietly renegotiated as companies and policymakers reshape pricing, footprints, incentives, and services to sustain growth amid strained affordability.
Home purchase price excludes additional costs like taxes and insurance; shopping lenders, exploring loan programs, mortgage buydowns, and assistance reduces total housing expenses.