What to Expect When Financing a New Construction Home

Buying a home is a big step—and buying new construction comes with its own unique opportunities. Join us for an educational, no-pressure event designed to help you feel confident about how mortgages work for new construction homes.

You’ll learn what your mortgage options are, what goes into a monthly payment, and how financing typically works when purchasing a newly built home—from early planning through closing day. We’ll also talk about the difference between what you may be approved for and what feels comfortable for your lifestyle, so you can make informed decisions with long-term flexibility in mind.

We’ll cover:

• What’s included in a monthly mortgage payment for a new construction home
• The typical new construction lending process, including pre-qualification, pre-approval, underwriting, and closing
• What lenders evaluate, including income, credit history, assets, and monthly obligations
• Common loan types used in new construction, including Conventional, FHA, VA, and USDA
• Fixed versus adjustable rates and how rate changes impact monthly payments over time
• Key buyer disclosures, including the Loan Estimate and Closing Disclosure
• Builder-specific financing options and incentives, such as rate buy-downs, closing cost assistance, and preferred lender programs
• Common new construction questions around affordability, build timelines, credit score considerations, upfront costs, and down payment expectations

This is an educational, no-pressure event. We’re here to share our new construction expertise, answer your questions clearly, and support you—whether you’re just starting to explore or getting ready to take the next step.

Know what’s Happening Next — before everyone else does.

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Host or Publisher Holt Homes