In today’s shifting housing market, builder incentives are eye-catching—sometimes up to $50,000 per home—to lure in buyers. On the surface, rate buydowns and closing-cost offers can look like a windfall, especially for first-time homebuyers in Raleigh and the broader Triangle.
But behind the glossy ads and limited-time offers often lies a deeper risk: inflated pricing, misleading “affordability,” and long-term exposure that many buyers don’t discover until it’s too late.
At Burson Home Advisors, we believe clients deserve clarity, stability, and a path to homeownership that protects their future. Our partners’ lease-to-own and no-bank-financing programs offer safer, more financially sound alternatives for families looking for homes for sale in the Triangle, and across the Triad.
The Hidden Cost of Builder Rate Buydowns
Industry reporting shows large national builders spending tens of thousands per home—often via interest-rate buydowns. Why? Because in overheated neighborhoods, slashing list prices outright can upset prior buyers and damage comps. Instead of lowering prices, some builders pad the base price and bury the “savings” inside the incentive package.
See recent press coverage of our approach in the Associated Press: Burson Home Advisors Lease-to-Own Programs.
The Illusion of Affordability
This creates a dangerous illusion. Buyers feel like they’re getting a deal, but in reality they may be paying more than the home is worth—and the “lower payment” from a teaser buydown can be short-lived.
Why That Hurts First-Time and Relocating Buyers
For families relocating to the Triangle or first-time homebuyers in Raleigh, artificially inflated prices can lead to:
- Underwater mortgages if values soften.
- Lost flexibility if you need to sell within a few years.
- Payment shock when a temporary buydown ends.
Even if mortgage rates drop later, an overpay today can leave you stuck with less equity than expected—and fewer options.
Lease-to-Own: A Clearer, Smarter Way to Build Wealth
What makes our partners’ lease-to-own approach different? Choice and transparency. You aren’t limited to a builder’s inventory or pressured into a “preferred lender.” You choose the home—resale or new construction—that fits your lifestyle and budget in the Triangle, or the Triad. Our trusted partner purchases it for cash and leases it back—often with fixed monthly payments lower than a mortgage.
With our partners’ lease-to-own programs, you can:
- Build wealth while you lease—via appreciation and program design.
- Avoid padded pricing and teaser-rate traps.
- Keep the right—never the obligation—to buy.
- Cash out or transfer accumulated equity if life changes.
- Skip buyer’s closing costs if/when you purchase later.
This isn’t a marketing gimmick. It’s a risk-aware way to move forward with clarity and flexibility. And yes, we can still help you into a new build—at fair, not inflated, prices.
No-Bank-Financing Options—Without the Gimmicks
Prefer to purchase without a traditional mortgage? Our no-bank-financing homes—including select new construction in Raleigh and Greensboro—offer a dignified alternative with a low down payment and stable monthly terms.
No forced lender. No inflated “discounts.” Just a clear, realistic path to ownership built around your life.
Why Clients Choose Us Over Builder Incentives
We see it every week: flashy offers that promise quick relief but collapse under scrutiny. A slightly lower payment today means little if the home is overpriced, the terms are restrictive, or the future is uncertain.
At Burson Home Advisors, we walk alongside every client like family. We present options clearly, protect your downside, and design a plan around your life—not just your loan file.
When we say we’re fiduciaries, we mean it. We’ll never push a “deal” that puts you at risk later.
Looking at Homes for Sale in Raleigh? Let’s Talk.
Whether you’re upsizing, downsizing, relocating to the Triangle, or comparing options across the Triad, there’s no reason to settle for short-sighted construction perks that mostly benefit the seller.
Let’s map a path that safeguards your equity and preserves your flexibility.