Buying a home in today’s market? You’ve probably noticed interest rates aren’t exactly in your favor. But what if we told you there’s a little-known way to lock in a much lower rate and even get thousands toward your down payment without waiting for the Fed to pivot?

At The Erica Diaz Team, we specialize in helping Central Florida homebuyers break through the noise and secure exclusive deals traditional lenders won’t tell you about. We’re talking new construction homes condos, townhomes, and single-family properties with interest rates that beat the national average and down payment assistance up to $35,000 through special programs and grants.

Let’s dig into how it works and how we can help you take advantage.

Why Traditional Home Loans Might Be Costing You More

When you walk into a bank or apply for a home loan online, you’re working within tight, market-driven margins. Lenders base rates on national averages, which lately have been higher than most buyers are comfortable with. Add rising home prices, and suddenly the dream of homeownership feels like a stretch.

But that’s where builder incentives change the game.

The Secret to Lower Rates? Work With the Right Builders

Across Central Florida, many new home communities are offering major buyer incentives to keep demand strong even in a higher rate environment. These incentives include:

✅ Ultra-low fixed interest rates (sometimes 2–3 points lower than current market rates)

✅ Paid closing costs or rate buydowns

✅ Up to $35,000 in down payment assistance through grants and special buyer programs

✅ Flexible financing options for first-time and repeat buyers

✅ Zero PMI options in select cases

These aren’t promotions you’ll find on Zillow or through your typical lender. In fact, most of them are only available if you’re working with an agent who knows the right builders and how to navigate the programs.

To see what’s currently available, work with a trusted Central Florida home expert.

Why New Construction is a Smart Move Right Now

Aside from the financing perks, buying new construction offers peace of mind. You’re getting a brand-new home with modern finishes, warranties, energy efficiency, and the ability to choose your layout and upgrades. Whether you’re looking for a condo near Orlando attractions, a townhome in a growing community, or a spacious single-family home with a backyard, there’s something available and it may come with financial perks that slash your upfront and long-term costs.

How The Erica Diaz Team Helps You Unlock These Deals

We don’t just help you find a house we help you find the right deal.

Our team has built strong relationships with builders across Central Florida who trust us to bring qualified buyers. Because of that, we get early access to private promotions before they’re made public and we’ll walk you through:

✅ Which communities are offering below-market rates

✅ Where to find $10K–$35K in down payment assistance

✅ How to qualify for grants based on income or location

✅ Negotiating closing cost coverage or upgrades

✅ And most importantly how to get you moved in affordably

Best of all? Our consultations are completely free. That’s right no commitment, no pressure. Just answers and a custom game plan tailored to your budget and goals.

Timing Matters These Offers Don’t Last Forever

Builder incentives shift constantly depending on inventory and demand. The programs we have access to today may not be around next month. That’s why if you’re even thinking about buying, it’s smart to speak with our team now. We’ll give you the full picture, run the numbers, and show you what’s possible.

Ready to Beat the Market?

If you’re serious about buying in Central Florida and want to avoid overpaying for your mortgage we can help you win in this market. Whether you’re a first-time buyer or ready to upgrade, these limited-time builder incentives could make your dream home more affordable than you think.

? Call The Erica Diaz Team today at 407-904-2702
? Serving Winter Garden, Clermont, Windermere, Davenport & beyond
? Or connect with our local real estate professional to schedule your free consultation.