Loading Arizona new homes...Loading Arizona new homes...Use this page to show buyers the simple math: market-rate payment vs a 4.99% FHA fixed-rate example vs a 3.875% 7/6 ARM example, plus what that can mean for monthly savings and buying power.
Current market-rate comparison source
Freddie Mac PMMS 30-year fixed · As of 11/10/2022. Examples are informational only.Compare the same example price against a market comparison scenario, an illustrative 4.99% FHA fixed-rate example, and a 3.875% 7/6 ARM rate-as-low-as example. Actual rate/APR, points, fees, adjustment terms, incentives, and eligibility must be verified through the lender.
$3,176/mo estimated
Same example home price, before any rate-as-low-as program that may or may not be available.Estimated difference $519/mo
$186,840 lifetime savings estimate · $31,140 in 5 years · $6,228/yearEstimated difference $762/mo
$274,320 lifetime savings estimate · $45,720 in 5 years · $9,144/yearApproximately $6,228 per year, $31,140 in five years, and $186,840 across a 30-year loan in this illustrative example.
Examples are illustrative only and are not lender quotes, locks, APR disclosures, commitments, or guarantees. Rates, APR, points, fees, incentives, taxes, insurance, HOA, mortgage insurance, qualification, eligible homes/programs, and availability vary. Verify current terms with Tim and the lender. Not a lender quote, Loan Estimate, lock, commitment to lend, APR disclosure, or guarantee. Rates shown as low as require borrower qualification, eligible home/program, seller/lender participation, underwriting approval, and final lender disclosures.
Use this with buyers at the kitchen table, in the model, or on your phone. It compares a market-rate payment against a 4.99% FHA fixed-rate example and a 3.875% 7/6 ARM example.
Monthly savings: $519
$6,228/year · $31,140 in 5 yearsMonthly difference: $762
$9,144/year · initial rate fixed for 7 years, then can adjustEstimates are informational only. Taxes, insurance, HOA, mortgage insurance, rates, incentives, and qualification vary. Ask Tim to verify current details.
The emotional win is confidence: new roof, new HVAC, new appliances, modern layouts, cleaner warranties, and less immediate renovation pressure.
New roof, HVAC, plumbing, electrical, and windows reduce early surprise-repair anxiety.
Open kitchens, better storage, flex spaces, smart-home tech, and layouts built for how people live now.
Newer insulation, windows, appliances, and building standards may support lower utility usage.
Warranty coverage can give buyers more confidence than inheriting an older home’s unknowns.
Skip the first-year remodel list and focus on moving in, furnishing, and enjoying the home.
Promotional rates and closing-cost opportunities may help monthly affordability when available.
Older homes can come with surprise repairs. New construction gives buyers a cleaner runway: new systems, modern efficiency, and builder warranties.
Estimated maintenance/repair exposure
Estimated early-years maintenance/repair exposure
Illustrative ownership-cost gap
Resale: Aging roof can become a major capital expense
New: Brand-new roof with builder warranty framework
Resale: Older systems may be near replacement age
New: New HVAC equipment and modern efficiency
Resale: Age and prior repairs can vary by home
New: New plumbing systems and less immediate uncertainty
Resale: Older efficiency can increase comfort and utility concerns
New: Modern windows, insulation, and building standards
Resale: May need repair or replacement
New: Brand-new appliance package
Resale: More likely to need flooring, paint, counters, fixtures, or layout updates
New: Move-in-ready finishes and newer layouts
Resale: Often added later and inconsistently
New: Modern smart-home features and newer wiring/layout support
Resale: More unknowns from prior ownership
New: Lower early-years upkeep and clearer warranty path
Maintenance and repair figures are generalized estimates only; actual costs vary by property, age, usage, warranty terms, and market conditions.
Send Tim your target payment, preferred city, and whether you are comparing FHA, conventional, or cash. He can help verify current D.R. Horton West Valley options and lender terms.
Rates, incentives, pricing, homes, taxes, insurance, HOA, mortgage insurance, and qualification are subject to change. Payment, savings, and buying-power examples are illustrative only and are not offers to lend. Financing is subject to borrower qualification and lender approval. Maintenance and utility savings vary by property, age, usage, warranty terms, and market conditions. Verify all details with Tim Coleman and the appropriate lender/builder sources before relying on them.