If you're looking to buy a home in Lubbock this year, builder-paid incentives could make it easier to get more for your money — especially with financing options offering interest rates as low as 4.5%.

Some builders are currently offering long-term, fixed-rate options through their preferred lenders. And when paired with other buyer-focused incentives, such as closing cost assistance and included appliance packages, it adds up to meaningful upfront savings.

We work closely with trusted builders offering these types of opportunities. It’s not just about what’s on the market — it’s about helping you navigate incentives, compare offers, and align everything with your goals. Buying a home is a big decision, and it deserves the kind of support that’s grounded in experience.

What Does a 4.5% Rate Mean for You?

For most buyers, every percentage point in interest impacts the monthly payment — sometimes by hundreds of dollars. That means a lower rate doesn’t just help you qualify; it also helps you save. It can help you afford more of what you want.

When builder financing includes reduced rates, it’s often part of a full package: covering part of your closing costs, upgrading finishes, or even including major appliances that would otherwise come out of pocket. That’s real financial momentum from day one.

Who Qualifies for These Builder Rates?

Most of these offers are available when you finance through the builder’s preferred lender and close within a specific window. You don’t need perfect credit, and you don’t need to guess what's available. We’ll help you explore the homes that meet your criteria — and walk through the exact terms so you know what to expect.

This is what we do every day: match buyers with builder-paid value that fits their timeline, lifestyle, and monthly payment goals.

Looking for homes with builder-paid incentives and expert guidance? Start your match here.