Separate the model, the plan and the home you would buy
List the features shown in the model and mark whether each is included, optional or unavailable on the proposed lot. Ask for the written specification, site plan and included allowances. Room dimensions, orientation, exterior materials and outdoor work can differ between the demonstration home and the actual contract. Keep dated versions so later changes are visible.
Compare the complete package
A headline incentive needs a full-cost comparison. In a hypothetical offer, a $550,000 base price plus a $20,000 lot premium and $25,000 of choices, less a $10,000 usable incentive, totals $585,000 before other purchase costs. The arithmetic is illustrative; a financing incentive may have restrictions and may affect other loan terms. Ask the lender for comparable Loan Estimates with and without the proposed incentive.
Give milestones a document and an owner
Identify selection deadlines, inspection opportunities, change-order rules, the expected completion process and the warranty contact. Ask which dates are estimates and what the agreement says if timing changes. A buyer’s representative, lender, inspector and attorney answer different questions; establish who handles each before a deadline arrives.
Sources & further reading
- Contact Gary Ashton's team checked 2026-09-26
- CFPB Loan Estimate explainer checked 2026-09-26
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