This month's builder incentives
Rate buydowns, closing-cost help and quick move-in deals that Charlotte-area builders are offering right now: 25 offers from 9 builders. Most incentives depend on using the builder's lender or signing by a deadline, so I'll walk you through the fine print and negotiate on top of them.
Updated November 7, 2026. Offers change often and are set by each builder; terms, eligibility and deadlines are the builder's. Rate offers usually require the builder's preferred lender. Confirm current terms before you sign.
Incentives by type
Homes Worth Moving For: 4.875% FHA 5/1 ARM plus up to $3,000 toward closing costs
Century Communities
4.875% (5.674% APR) for years 1-5 on a 30-year FHA 5/1 ARM; for years 6-30 the rate may vary (adjustments capped at 1.00% per year, maximum 9.875%). Plus up to $3,000 toward closing costs. Builder example: $314,990 price, 3.5% down, 620 minimum credit score.
Contracts signed on or before 11/15/26 that close on or before 11/30/26. Select Charlotte Metro move-in ready homes. Must finance with affiliated lender Inspire Home Loans. Limited funds.
Blue Sky Meadows, Cannon Manor, Carpenter Farms, Cedar Hollow, Grants Landing, Hillside Glenn, Meadow Creek Village, Running Creek, Stonemill · Monroe · Kannapolis · Lincolnton · Hickory · Salisbury · Newton · Locust
Special low rate: as low as 4.99% (5.781% APR) 5/1 ARM
KB Home
Rate as low as 4.99% (5.781% APR) on a 5/1 adjustable-rate mortgage (builder example is an FHA 5/1 ARM), fixed for 5 years and then adjustable (caps 1% first change, 1% yearly, 5% lifetime). The published APR includes a $5,000 closing cost credit and seller contributions. Rates as of 9/24/26.
Sign a purchase agreement by November 30, 2026, finance through KBHS Home Loans, LLC and lock within 30 days of the purchase agreement. Owner-occupied only. Certain communities may be excluded. Buyer pays any buydown cost above the seller contribution.
KB Home Charlotte-area communities (NC and SC), excluding any communities KB excludes
The Value of Now: Rate as Low as 4.490% (3/2/1 buydown)
Tri Pointe Homes
Year-1 rate as low as 4.490% on a conventional 30-year fixed loan with a 3/2/1 temporary buydown: 4.490% in year 1, 5.490% in year 2, 6.490% in year 3, and 7.490% for years 4-30. APR 8.134% (Ascend) and 8.127% (Ross Farms) as published.
Purchase agreement before 11/30/26 and close by 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Ascend, Ross Farms · Charlotte
The Value of Now: First-Year FHA Rate as Low as 4.000% (7.631% APR)
Tri Pointe Homes
First-year rate as low as 4.000% (7.631% APR) on an FHA 30-year fixed loan with a 3-2-1 temporary buydown: 4.000% in year 1, 5.000% in year 2, 6.000% in year 3, and 7.000% for years 4-30.
Purchase agreement before 11/30/26 and close by 12/30/26. Subject to FHA eligibility. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Seven Oaks, Context at Oakhurst, Grahym at Southbridge, Camryn at Southbridge, Amplitude · Belmont · Charlotte · Fort Mill
Home Sweet Savings: 5.25% FHA fixed or 4.875% 7/6 ARM
M/I Homes
Two financing options through M/I Financial, LLC: 5.25% rate / 6.039% APR on a 30-year fixed FHA loan (builder example: $350,000 price, 3.5% down, 640 minimum credit score), or 4.875% rate / 5.763% APR on a 30-year conventional 7/6 ARM, fixed for the first 7 years and then adjustable (example uses 20% down).
Must finance with M/I Financial, LLC and apply within 48 hours of contract. Contracts must be written by December 1, 2026 and close by December 31, 2026. FHA option: select homes, new contracts on or after October 29, 2026. ARM option: selected quick move-in homes only. Primary residence only.
Amber Glen, Annsborough Park, Bellamore, Boulder Ridge, Canterbury Station, Emerson Glen, Laurelbrook, Piper Landing, Spring Grove, Whitaker Pointe, Willoughby Park · Locust · Concord · York · Gastonia · Wingate · Kannapolis · Sherrills Ford · Huntersville · Monroe
Lucere at Windell Woods: Intro rate 1.99% on a 30-yr fixed (3-2-1 buydown)
Shea Homes
30-year conventional fixed rate of 4.99% (5.375% APR) with a seller-paid temporary buydown: 1.99% in year 1, 2.99% in year 2, 3.99% in year 3, and 4.99% for years 4-30 (all 5.375% APR).
Purchase agreement on select homes by 12-6-2026. Close-by date not stated. Builder labels the community 'Final Opportunity'. Part of Shea's Home for the Season Event (runs through December 6). Incentives are conditioned on using Shea Mortgage; buyers are not required to use Shea Mortgage but would forgo the incentive. Conventional conforming loans, owner-occupied only. Limited pool of funds.
Lucere at Windell Woods · Tega Cay
35eighty Townes: Intro rate 2.99% on a 30-yr fixed (2-1 buydown)
Shea Homes
30-year conventional fixed rate of 4.99% (5.24% APR) with a seller-paid 2-1 temporary buydown: payment rate 2.99% in year 1, 3.99% in year 2, and 4.99% for years 3-30. The seller prepays the buydown through an incentive of up to $15,000.
Purchase agreement executed after 10/26/26 and close on or before 12/30/26. Select quick move-in homes. Part of Shea's Home for the Season Event (runs through December 6). Incentives are conditioned on using Shea Mortgage; buyers are not required to use Shea Mortgage but would forgo the incentive. Conventional conforming loans, owner-occupied only. Limited pool of funds.
35eighty Townes · Cornelius
Amara Chase: Intro rate 3.99% on a 30-yr fixed (2-1 buydown)
Shea Homes
30-year conventional fixed rate of 5.99% (6.46% APR) with a seller-paid 2-1 temporary buydown: payment rate 3.99% in year 1, 4.99% in year 2, and 5.99% for years 3-30. The builder states the total incentive value is up to $48,000.
Purchase after 10/26/26 and close on or before 12/30/26. Select quick move-in homes. Part of Shea's Home for the Season Event (runs through December 6). Incentives are conditioned on using Shea Mortgage; buyers are not required to use Shea Mortgage but would forgo the incentive. Conventional conforming loans, owner-occupied only. Limited pool of funds.
Amara Chase · Huntersville
Lachlan Park: 4.99% 30-yr fixed plus up to $25,000 toward closing costs
Shea Homes
30-year conventional fixed rate of 4.99% (5.35% APR) plus up to a $25,000 closing cost incentive, on select quick move-in homes.
New contracts executed after 10/26/2026 and closed on or before 12/30/26. Part of Shea's Home for the Season Event (runs through December 6). Incentives are conditioned on using Shea Mortgage; buyers are not required to use Shea Mortgage but would forgo the incentive. Conventional conforming loans, owner-occupied only. Limited pool of funds.
Lachlan Park · Huntersville
Special rates through DHI Mortgage (North Carolina)
D.R. Horton
Three published rates through DHI Mortgage: 5.500% (6.570% APR) on a conventional 30-year 7/6 ARM, fixed for 7 years then adjusting every 6 months (example uses 5% down; borrower must pay a 0.125% discount point; max rate 10.500%); 4.750% (6.602% APR) on an FHA 5/1 ARM, fixed for 5 years then adjusting yearly (example 3.5% down; max rate 9.750%); and 4.750% (6.208% APR) on a VA 5/1 ARM (example 0% down).
Must use DHI Mortgage to get the rate. Conventional ARM: contract on or after 10/27/2026 and close by 12/31/2026. FHA/VA ARM: contract on or after 09/21/26 and close on or before 12/31/26. Certain homes in select North Carolina communities only; available until the pool of funds is used up. Confirm eligible homes with a sales representative.
Select D.R. Horton communities in North Carolina (shown on the Shepherd's Farm page) · Mooresville
Make Your Move National Sales Event: rates as low as 4.99% (5.864% APR)
LGI Homes
4.99% (5.864% APR) on eligible FHA/VA 5/1 ARM loans, fixed for the first 5 years and then adjusting yearly (1% max per year, 5% lifetime cap). The builder describes the event as a promotion of up to $50,000 in combined closing cost, price discount and mortgage rate incentives.
Sign a purchase agreement and close on or before 12/31/26. Must finance through LGI's affiliated mortgage brokers (lgi Mortgage Solutions or One Trust Home Loans) to get the offer. Select homes; limited funds. The terms page does not name specific Charlotte communities.
LGI Homes Charlotte-area communities (select homes)
The Value of Now: First-Year Rate as Low as 3.990% (5.554% APR)
Tri Pointe Homes
First-year rate as low as 3.990% (5.554% APR) on a conventional 30-year fixed mortgage with a 1/0 buydown. The note rate is 4.99%; the buydown lowers the rate by 1% for year 1 only, and years 2-30 are at the full rate. Rates effective 10/29/2026, based on a 90-day lock.
Purchase between 10/28/26 and 12/31/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist. Select move-in ready homes at participating Charlotte communities. No close-by date stated.
Participating Tri Pointe Charlotte-area communities (select move-in ready homes)
National Sales Event: Up to $30,000 in Flex Cash
Meritage Homes
Up to $30,000 in Flex Cash toward closing costs or a below-market interest rate on eligible homes. No specific rate or APR is published for this offer.
Contract must be accepted between November 2, 2026 and November 15, 2026, and the home must close on or before December 20, 2026. Must use MTH Mortgage and Carefree Title. Must be mentioned at contract; cannot be combined with other promotions. Credits tied to an MTH Mortgage loan are capped at 3% of base price plus lot premium. Amount varies by home.
All Charlotte-area communities (eligible homes)
Home Sweet Savings: Up to 3% of base price toward closing costs
M/I Homes
Up to 3% of the home's base price toward closing costs when financing with M/I Financial, LLC. Cannot be used as a price reduction. Amount may vary by home and community.
Select quick move-in homes. Contract by December 1, 2026 and close by December 31, 2026. Excludes inspection fees and other buyer-elected fees; buyer pays any closing costs above the contribution, the down payment and upfront mortgage insurance. Seller contribution limited to lender limits of 3% to 6%.
Amber Glen, Annsborough Park, Bellamore, Boulder Ridge, Canterbury Station, Emerson Glen, Laurelbrook, Piper Landing, Spring Grove, Whitaker Pointe, Willoughby Park · Locust · Concord · York · Gastonia · Wingate · Kannapolis · Sherrills Ford · Huntersville · Monroe
The Value of Now: Ascend – Up to $55,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $55,000 in closing credit. Credit can go toward a lower rate (buydown), a price reduction, a move-in package with appliances and blinds, Design Studio options, and/or builder-paid closing costs.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Ascend · Charlotte
The Value of Now: Seven Oaks – Up to $50,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $50,000 in closing credit. Credit can go toward builder-paid closing costs, a lower rate (buydown), a price reduction, and/or Design Studio personalization options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Seven Oaks · Belmont
The Value of Now: Millstone – Up to $40,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $40,000 in closing credit. Credit can go toward builder-paid closing costs, a lower rate (buydown), a price reduction, and/or Design Studio personalization options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Millstone · Cramerton
The Value of Now: Bellflower – Up to $40,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $40,000 in closing credit. Credit can go toward builder-paid closing costs, a lower rate (buydown), a price reduction, and/or Design Studio personalization options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Bellflower · Charlotte
The Value of Now: Grahym at Southbridge – Up to $30,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $30,000 in closing credit. Credit can go toward builder-paid closing costs, a lower rate (buydown), a price reduction, and/or Design Studio personalization options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Grahym at Southbridge · Fort Mill
The Value of Now: Context at Oakhurst – Up to $30,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $30,000 in closing credit. Credit can go toward builder-paid closing costs, a lower rate (buydown), a price reduction, and/or Design Studio personalization options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Context at Oakhurst · Charlotte
The Value of Now: Old Town Village – Up to $10,000 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $10,000 in closing credit. Credit can go toward builder-paid closing costs, a lower rate (buydown), a price reduction, and/or Design Studio personalization options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Old Town Village · Waxhaw
The Value of Now: Amplitude – Up to $7,500 in Closing Credit to Use How You Choose
Tri Pointe Homes
Up to $7,500 in closing credit. Credit can go toward specific closing costs (such as appraisal, credit report, final inspection, title, and HOA capital contribution and setup fees), a lower rate (buydown), a price reduction, a move-in package with appliances and blinds, or Design Studio options.
Purchase between 10/1/26 and 12/30/26. Must finance through Tri Pointe's affiliated lender, Tri Pointe Connect. Select homesites only, at list price, while supplies last. Not available on existing contracts. Unused credit is forfeited. Confirm eligible homes with a Tri Pointe New Home Specialist.
Amplitude · Charlotte
Home for the Season Event: reduced prices on quick move-in homes
Shea Homes
Select quick move-in homes are listed at reduced prices that Shea says include "total incentives", ranging into six figures on some homes. Amounts vary by home.
Event runs through December 6, 2026. Specific homes only; amounts vary by home and can change. Shea Mortgage incentives are conditioned on using Shea Mortgage.
Lucere at Windell Woods, Amara Run, Amara Chase, Windell Woods, Lachlan Park, 35eighty Townes · Tega Cay · Huntersville · Cornelius
Hometown Heroes: $2,500 in Flex Dollars
David Weekley Homes
$2,500 in flex dollars for active medical personnel, firefighters, police officers, teachers and military. Buyer chooses at contract to apply it to a home discount, Design Center selections, or closing costs.
Contract between August 1 and December 1, 2026; close by December 31, 2026. Proof of current employment required. Must be presented to a Sales Consultant before signing. The closing-cost option requires a mortgage through Grace Home Lending, LLC.
Hardy Pond, Hardy Pond Townhomes · Charlotte
House-to-Sell Program: offer your buyer 3% of your home's selling price
M/I Homes
For buyers who need to sell a current home: M/I lets you offer your own buyer a concession of up to 3% of your existing home's sales price, which can be used to buy down their rate or toward closing costs. The contribution drops to 2% if the existing home closes after December 31, 2026.
You must have an active M/I Homes contract. Both your loan and your buyer's loan must close through M/I Financial, LLC and M/I's preferred closing agent. Existing home must be in a state where M/I Financial is licensed (includes NC and SC) and close within 180 days of the M/I closing. Void if the M/I home does not close.
Amber Glen, Annsborough Park, Bellamore, Boulder Ridge, Canterbury Station, Emerson Glen, Laurelbrook, Piper Landing, Spring Grove, Whitaker Pointe, Willoughby Park · Locust · Concord · York · Gastonia · Wingate · Kannapolis · Sherrills Ford · Huntersville · Monroe
The advertised deal is the starting point
Builders usually let you choose how to use an incentive: a lower rate, closing costs or a lower price. The best choice depends on how long you'll keep the loan. A permanent rate buydown pays off if you keep the mortgage for years. Closing-cost help or a price cut is often the better deal if you expect to refinance.
Quick move-in homes usually carry the biggest incentives, because builders want finished homes sold. Ask about the end of the month and the end of the quarter, when sales targets are due.
Compare the "with incentive" payment against a quote from your own lender, too. A lower rate can come with a higher price or fees.
Why ask me first?
- ✓ I talk to builder reps every week and hear about offers before they're posted.
- ✓ I'll compare the incentive math for your situation: buydown vs. closing costs vs. price.
- ✓ I negotiate on top of the advertised incentive.
- ✓ In most cases the builder pays my fee, and you get $2,000 back at closing.*
Register me on your first visit. Many builders won't let you add an agent later.
Call 980-372-7980Ask about an incentive
Tell me which offer or community you're interested in. I'll confirm it's still available and what it would mean for your payment.
Call or text: 980-372-7980