Verified against official builder pages on November 5, 2026. Focus is on closing credits, price cuts, and clear terms. Where a rate example appears, the loan type, fixed period, APR (when published), and builder-lender conditions are included. Ricky / Southend Financial does not offer these builder rates.
Important: Offers apply to select homes, change without notice, and may require the builder’s affiliated lender and/or title company. Confirm with sales before touring or contracting. Recheck every number the day you act on it.
Communities: Cardinal Creek & Kingman Townhomes (Charlotte); Oak Grove Hill (Huntersville); Avalon of Gastonia (Gastonia); Sanctuary at Southgate (Indian Trail).
Terms: Contract on or after 9/21/26; close by 12/31/26. Must use DHI Mortgage. Certain homes only; incentive funds can run out; may not combine with other offers.
Communities: Same Charlotte-area communities as above (select NC homes).
Terms: Contract on or after 10/27/26; close by 12/31/26. DHI Mortgage required; borrower pays a 0.125% discount point (seller incentive may cover it). Certain homes only.
Community: Sanctuary at Southgate, Indian Trail (Union Co.).
Half off up to $20K in design credit, plus up to $20K toward closing costs ($10K with any lender + up to $10K more with DHI Mortgage).
Terms: Contract on or after 2/2/26; close per contract. Credit cannot reduce price; unused credit is forfeited.
Communities noted: The Vines (Charlotte), Redhawk (Belmont), Shannon Woods (Maiden); Roselyn home (Lancaster, SC).
Terms: Sign 11/2–11/8/26; close and fund by 11/24/26. Lennar Mortgage required. 680+ credit score, 3.5%+ down, owner-occupant, FHA loan limits. Limited funds; cannot combine with other promotions.
Shown as was/now pricing on listed quick move-ins. No end date posted; subject to prior sale.
Example listing noted: Lot 212 at $419,960 (was $454,960). QMI pricing; no end date posted.
Communities noted: Parkside Crossing (Charlotte), Elmbrook (Matthews), Michaux Gardens (Belmont), Galloway Towns, Riverstone.
Eligibility: Active teachers, nurses, EMS, police, firefighters, active and retired military. Banner also references builder-paid closing costs / below-market rates on eligible homes without a stated amount or date — confirm with Pulte sales / Pulte Mortgage.
Area: Charlotte-area eligible homes (banner noted on Russell Grove, Charlotte 28213).
Terms: Contract accepted 11/2–11/15/26; close by 12/20/26. MTH Mortgage and Carefree Title required. Lender-tied credits capped at 3% of base price plus lot premium. Amounts vary by home.
Examples checked: Indian Trail Townhomes (~$49,865); Senata at Research Park, Charlotte (~$51K–$58K); Ridge at Sugar Creek, Indian Land SC (~$66,239); Coves on Lake Wylie Towns (~$40,165); Stafford at Langtree, Mooresville (~$37,120); Tramore, Harrisburg (~$27,475); Terraces at the Exchange, Indian Land SC (~$20,000).
Terms: Must close by 12/31/26. Any lender or cash. Not valid on contracts before 11/1/26. Buyer cannot pick options. Some listing savings exceed the $50K headline — read each home’s price.
Banner also references 3.25% in year 1 via temporary buydown (first-year rate only).
Terms: Contracts 11/1–11/30/26; close by 12/31/26. Pre-apply with Taylor Morrison Home Funding; use seller-chosen closing agent. Seller pays up to $7,000. Owner-occupied conforming loans only.
Extended 9-month lock at select communities.
Terms: Contracts 11/1–11/30/26; close by 7/31/27. Taylor Morrison Home Funding required. Seller pays up to $6,000. $225K minimum loan.
All Charlotte-area communities (per promo page). Contracts 10/1–12/31/26; close by 9/30/27. Any lender or cash.
Examples: 5.25% / 6.039% APR 30-year FHA, or 4.875% / 5.763% APR 7/6 ARM, plus up to 3% of base price toward closing costs.
Communities listed: Amber Glen (Locust); Annsborough Park & Piper Landing (Concord); Bellamore (York, SC); Boulder Ridge (Gastonia); Canterbury Station (Wingate); Emerson Glen (Kannapolis); Laurelbrook (Sherrills Ford); Spring Grove & Whitaker Pointe (Huntersville); Willoughby Park (Monroe).
Terms: Contract by 12/1/26; close by 12/31/26. M/I Financial required. Apply within 48 hours; primary residence; FHA needs 640+ score. ARM is QMI-only. Select homes.
Communities: Bratton Pointe, Blair Place, Waxhaw Landing, Westfall.
Terms: Contracts 10/1–11/15/26; close by 4/30/27. Pre-apply with Mattamy Home Funding; use seller’s closing agent.
Up to $30K (Westfall $25K packages only; Bratton Pointe & Waxhaw Landing $20K). Same four to-be-built communities.
Terms: Contracts 10/1–11/06/26 — scheduled to end Nov 6. Any lender or cash. Close by 4/30/27. Recheck with sales if still live.
Communities listed: Ashton Park (Monroe); Blythe Mill Townhomes & Rone Creek (Waxhaw); Carrington; Harrisburg Village Townhomes; Robinson Oaks (Gastonia); Enclave & Meadows at Laurelbrook (Sherrills Ford); Waterford Commons (Rock Hill, SC).
Terms: Contracts by 12/31/26; select homes; preferred lender required; cannot combine. Page also mentions below-market rates without stating the rate — confirm with Eastwood sales. (Page header date typo noted in research; terms cite 2026.)
Community noted: Ascot Woods, Charlotte 28215 (near Mint Hill), plus national event framing.
Terms: Select inventory; sign and close by 12/20/26. Must use LGI’s affiliated mortgage broker; closing-cost help needs affiliated broker + preferred title (amount not stated). Limited funds.
Medical, fire, police, teachers, military (with proof). Purchase 10/1–12/1/26; close by 12/31/26. Using dollars for closing costs requires Grace Home Lending.
Not listed this week as verified community offers: True Homes, Centex, Tri Pointe (Ellis Townes terms dated Jul–Sep 2026), and several third-party aggregator claims. See prior research notes before quoting those on camera or in marketing.
Want help comparing a specific home’s incentive package? Request current deal guidance or email ricky@southendfinancial.com.