In today’s shifting housing market, builders incentives are eye-catching—sometimes up to $50,000 per home—to lure in buyers. On the surface, these rate buy-downs and closing cost offers might seem like a financial windfall, especially for first time homebuyers Raleigh trusts.
But behind the glossy ads and limited-time offers lies a deeper risk: inflated pricing, misleading affordability, and long-term financial 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 Raleigh and no bank financing programs offer safer, more financially sound alternatives for families looking for homes for sale in Raleigh—without falling into the trap of builderfunded gimmicks.
The Hidden Cost of Builder Rate Buydowns
According to a July 2025 ResiClub report, national builders like PulteGroup are now spending an average of $52,000 per home in incentives, primarily in the form of interest rate buydowns.
Why? Because in many overheated markets, slashing prices outright could upset prior buyers and damage neighborhood comps. So instead of lowering prices, builders inflate the base cost of each home and quietly bury the “savings” inside the incentive package.
The Illusion of Affordability
This creates a dangerous illusion. Buyers feel like they’re getting a deal, but in reality, they’re often paying more than the home is worth—and that “lower monthly payment” is usually short-lived.
Why That’s a Problem for First-Time and Relocating Buyers
For families relocating to the Triangle or first time homebuyers Raleigh welcomes with big dreams, these artificially inflated prices can lead to serious consequences:
- Underwater mortgages if values dip.
- Loss of flexibility if life changes and they need to sell within a few years.
- Regret if a temporary rate buydown ends and payments jump.
If mortgage rates drop in the future, refinancing may be appealing—but buyers who overpaid up front could be stuck, with fewer options and less equity than they expected.
Lease to Own Raleigh: A Clearer, Smarter Way to Build Wealth
What makes our lease to own Raleigh program different? Everything.
Our clients aren’t limited to a builder’s inventory or pressured into using a “preferred lender.” Instead, they choose the home—resale or new construction—that fits their lifestyle, budget, and goals. Our trusted partner purchases it for cash and leases it back, often with monthly payments lower than a mortgage.
With our lease to own program, clients can:
- Build wealth while they rent.
- Avoid inflated pricing and teaser rates.
- Keep the right—but never the obligation—to buy.
- Can cash out if life changes.
- Skip all buyer’s closing costs if they purchase later.
This isn’t a marketing ploy. It’s a risk-free way to move forward with clarity and flexibility—something builder incentives can’t offer. And yes, we can still get clients into newly built homes—at fair, not inflated, prices.
No Bank Financing Options for New Builds—Without the Gimmicks
For buyers who want to purchase outright but don’t qualify for a traditional mortgage, our no bank financing homes—including new construction homes in Raleigh—offer a dignified alternative.
There’s no forced lender relationship.
No inflated pricing disguised as a discount.
Just a low down payment, stable monthly payments, and a clear, realistic path to ownership.
This option works especially well for:
- Self-employed buyers
- Relocating families
- First-time buyers with lower savings
- Buyers recovering from financial hardship or credit events
Why Our Clients Choose Us Over Builder Incentives
We see it every week: buyers walking away from flashy builder offers that sound generous but collapse under closer inspection. A slightly lower monthly payment today doesn’t mean much if the home is overpriced, the terms are restrictive, or the future is uncertain.
At Burson Home Advisors, we don’t just sell homes—we protect futures.
We walk alongside every client like family, helping them understand all their options and offering creative, customized solutions that align with their life—not just their loan file.
When we say we’re fiduciaries, we mean it. And we’ll never push a “deal” that puts you at risk later.
Looking at Homes for Sale in Raleigh? Let’s Talk.
If you’re upsizing, downsizing, relocating, or exploring your first home, there’s no reason to settle for a short-sighted builder incentive that only benefits the seller.
Let’s have a real conversation about your life, your goals, and what you truly want from your next move.
Learn how our lease to own Raleigh and no bank financing programs can help you secure your home, build equity, and protect your future:
https://www.bursonhomeadvisors.com/low-down-payment-homeownership