Builder Flyer Audit

The Flyer Payment Is Not The Real Payment.

Every Houston builder quotes you a number that works for year one. We show you what you actually pay after the rate buydown burns off, plus what an outside lender would quote you today. Side by side, in 20 seconds.

Paste the flyer number. Get the real one.

Market rate used: 6.30% conventional 30-year, updated daily from FRED PMMS. Estimates are for illustration, your actual rate depends on credit, LTV, DTI, and loan size.

Builder

Community or zip (optional)

Home price

Down payment %

Monthly payment the builder quoted you

This is the "from $X/mo" number on the flyer, social ad, or sales sheet.

Flyer payment

What the builder showed you. Teaser year 1 of a buydown.

Real payment, year 3+

After the buydown steps up. This is what you actually pay for years 3 through 30.

If we shopped it today

Outside-lender estimate at today's conventional 30 fixed. No buydown gimmick, just the rate.

Hidden cost per month: $0

Hidden cost over 5 years: $0

Hidden cost over 10 years: $0

All three numbers are PITI (principal, interest, tax, insurance) using a combined 3.15% annual escrow rate (2.8% property tax plus 0.35% hazard insurance), typical for Houston MUD-district new construction. Your exact escrow depends on the community's tax rate. Rates for illustration. Actual rate depends on credit, LTV, DTI, and loan size. Equal Housing Opportunity. NMLS #1577314.

Want the actual outside-lender quote on this exact scenario?

I'll shop three lenders against the builder's deal and text you the real numbers within the hour. No credit pull. Dual licensed as a Houston real estate broker and a mortgage loan originator, NMLS #1577314, so this is one conversation, not two.

Why the flyer number is almost never the real number

It is usually a 2-1 buydown

The flyer rate is often 2 points below market in year one, 1 point below in year two, then the full note rate from year three. Most buyers never get told that part out loud.

The credit comes with strings

Builder closing-cost or buydown credits almost always require you to finance through the builder's preferred lender. Whose rate and fees we can now check against the market.

Buyer representation is free

The builder pays buyer-agent commission. You using me as your agent costs you zero and unlocks an independent read on incentives, contract terms, and inspections. Plus I close the loan.

Skip the form. Just call.

Already touring models this weekend? Text me the builder's flyer and I'll run the real numbers before you sign anything.

Call or text (713) 548-7350 Email Ben