NewAZHomeBuilds.com + Clifford Wong · West USA Realty
Questions? (602) 300-7153
Updated August 28, 2026

Builder promo rates & incentives

Promotional mortgage rates and buyer incentives pulled from builder marketing emails. 2 specific homes and 8 metro-wide programs are active right now. Rates require the builder's preferred lender and are subject to change — verify before advising a client.

Buyer tip: These offers are real but they come with strings — you must use the builder's preferred lender, which means you lose the ability to rate-shop. A buyer's agent can help you evaluate whether the promo rate is genuinely better than market, or whether the builder inflated the base price to compensate. Representation costs you nothing out of pocket, the same as on a resale. Call Clifford.
Specific homes with promo rates
Ashton Woods — Aloravita
Active
3.75% (7/6 ARM)
Rate type
n/a - home is sold
APR
—
Buyer incentive
n/a
Dates
Contract: 8/17-8/23/26 · Close by: by 9/30/26
Sunflower·25927 N 79th Dr$699,990$2,917/mo
Ashton Woods — Madera
Active
3.75% (7/6 ARM)
Rate type
n/a - home is sold
APR
—
Buyer incentive
n/a
Dates
Contract: 8/17-8/23/26 · Close by: by 9/30/26
Juniper·22801 E Stirrup St$797,990$3,326/mo
Ashton Woods — Aloravita
Offer may have passed
3.75% - marketed as "Flexible Rate"
Rate type
NOT A FIXED RATE. Conventional 7/6 ARM: fixed 84 months, then adjusts every 6 mo, lifetime cap 8.75%. Needs 10% down + 740 FICO.
APR
—
Buyer incentive
$10,000 non-recurring closing costs + up to $75,315 Ashton Woods incentives
Dates
Contract: 8/17-8/23/26 · Close by: by 9/30/26
Marigold (oversized homesite)·25564 N 77th Dr$592,990$2,451/mo (first 7 yrs only)
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Ashton Woods — Estrella Crossing
Offer may have passed
3.625% / 4.62% APR
Rate type
30-yr FIXED - FHA or VA loan required (3.5% down). True fixed, not a buydown.
APR
—
Buyer incentive
$7,500 non-recurring closing costs + $23,385 Ashton Woods incentives
Dates
Contract: 8/4-8/16/26 as printed (SEE NOTE) · Close by: by 9/30/26
Daisy (final two-story)·9616 S 56th Ln$579,990$2,597/mo
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Ashton Woods — Madera
Offer may have passed
3.75% - marketed as "Flex Rate"
Rate type
NOT A FIXED RATE. Conventional 7/6 ARM: fixed 84 months, then adjusts every 6 mo, lifetime cap 8.75%. Needs 10% down + 740 FICO.
APR
—
Buyer incentive
$15,000 non-recurring closing costs + up to $97,405 Ashton Woods incentives
Dates
Contract: 8/17-8/23/26 · Close by: by 9/30/26
Topaz (tandem 3-car)·22729 E Roundup Way$649,990$2,709/mo (first 7 yrs only)
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Ashton Woods — Sunset Farms
Offer may have passed
3.49% / 4.335% APR
Rate type
30-yr FIXED - FHA or VA loan required (3.5% down). True fixed, not a buydown.
APR
—
Buyer incentive
$7,000 non-recurring closing costs + $18,300 Ashton Woods incentives
Dates
Contract: 8/17-8/23/26 · Close by: by 9/30/26
Marigold (bonus den)·9532 W Gaby Rd$449,990$1,981/mo
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Meritage Homes — Allure Vista
Offer may have passed
Price cut only (up to $96k off)
Rate type
No rate quoted
APR
—
Buyer incentive
Lowest Prices of the Year sales event
Dates
Contract: by 8/16/26
-·24638 W Grove Street$346,990 (was $393,990)not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Meritage Homes — Rancho Mirage
Offer may have passed
Price cut only (up to $96k off)
Rate type
No rate quoted
APR
—
Buyer incentive
Lowest Prices of the Year sales event
Dates
Contract: by 8/16/26
-·37418 W San Ildefanso Avenue$349,990 (was $401,990)not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Meritage Homes — Teravalis
Offer may have passed
Price cut only (up to $96k off)
Rate type
No rate quoted
APR
—
Buyer incentive
Lowest Prices of the Year sales event
Dates
Contract: by 8/16/26
-·12882 N 306th Avenue$374,990 (was $453,990)not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Meritage Homes — Wildera
Offer may have passed
Price cut only (up to $96k off)
Rate type
No rate quoted
APR
—
Buyer incentive
Lowest Prices of the Year sales event
Dates
Contract: by 8/16/26
-·31360 N Cattail Street$391,990 (was $412,990)not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Allen Ranches Expedition
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Bradshaw·17836 W Pasadena Ave$563,990 (was $609,990)not stated
Hillary·17837 W Pasadena Ave$554,990 (was $618,990)not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Artisan at Asante Encore
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Victory$603,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Artisan at Asante Journey
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Crossing·16761 W Audrey Ln$709,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Artisan at Asante Passage
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Zion·17074 W Hackamore Dr$588,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Artisan at Asante Vista
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Ellington$438,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Combs Ranch Landmark
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Hillary·4103 E Brittlebush Ln$519,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Ellsworth Ranch Landmark
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Cambridge$679,990not stated
Rockford$778,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Hawes Crossing Landmark
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Rockford·8121 E Renata Ave$790,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Hawes Crossing Venture I
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Imperial$649,990 (was $714,525)not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — La Mira Discovery
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Paisley$624,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Ladera Trails Venture II
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Thompson·31586 N Goldfield Rd$733,126not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Legado Voyage
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Breckenridge$838,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Lucero Discovery
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Sandstone$539,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Paradisi Encore
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Hudson·17065 W Hope Dr$515,000not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Taylor Morrison — Verdin Passage
Offer may have passed
3.99% / 4.05% APR (program)
Rate type
30-yr conventional FIXED
APR
—
Buyer incentive
Full-price QMI only; rate is the incentive
Dates
Contract: 8/5-8/23/26 · Close by: by 9/30/26
Cascade·1750 E Duane Ln$856,990not stated
⚠ This offer window may have passed. Contact Clifford to check if a current version is available — builders often roll offers forward.
Metro-wide & community programs
Century Communities
Overlook at Palomino Ranch, Maricopa AZ 85139 (model 11929 W. Mesa Court). Grand opening Sat 9/12/26, 11am-2pm.
Active
3.875% / 4.511% APR
Rate type
TRUE USDA 30-yr FIXED. Email states verbatim '30-Year Fixed-Rate Loan / USDA' and 'Mortgage is a USDA 30-year fixed rate loan.' Not a buydown, not an ARM. USDA income and geographic eligibility apply.
APR
$400,000 sales price, 0% down, 620 min FICO, $408,160 loan amount (includes financed USDA up-front guaranty fee). Payment $2,462.04 PITI; HOA additional.
Buyer incentive
$1,000 earnest money deposit assistance on select homes. Closing costs NOT included in the 100% financing - buyer still brings those.
Window / expiry
No rate lock date given. Email warns 'Interest rates may not be available at time of loan commitment or closing.' Price conflict inside the email: headline 'mid $300s' vs bullet list 'mid $350s'. Up to 4 bed / 2,422 sqft.
Century Communities
Select Phoenix-area communities (none named in the email)
Active
NOT QUOTED - no rate or APR anywhere in the email text
Rate type
USDA 30-yr fixed, 100% financing / zero down payment
APR
No rate, APR or payment example published
Buyer incentive
Zero down payment via USDA. Separate: ~$15,000 move-in package (washer, dryer, refrigerator, window coverings, garage floor epoxy, backyard landscaping) on the FIRST FIVE homes sold at select coming-soon communities.
Window / expiry
Earnest money still required and is separate from the zero down payment. Closing costs are NOT included. USDA income and geographic eligibility apply. No rate to compare - see Follow-ups.
Brookfield Residential
Not stated. The Arizona tile is a state-level link with no community named anywhere in the email.
Active
2.99% on the AZ tile / 3.99% in the national headline - CONFLICTING
Rate type
UNVERIFIED, likely a temporary buydown. The AZ tile omits the word 'Fixed' while sibling state tiles say '3.99% Fixed' (DC, NC) and '4.99% Fixed Rate' (SC). Disclaimer: 'Rates and payments change in later years and are subject to change without notice' - that is step/buydown language, not 30-yr fixed.
APR
No APR stated anywhere in the email
Buyer incentive
Not stated. 'Available on select quick move-in homesites only.'
Window / expiry
Do not quote 2.99% or 3.99% to a buyer until Brookfield confirms which applies to AZ and whether it is fixed or a buydown. Longest contract window on the board (thru 10/15).
Ashton Woods
Select Ashton Woods Phoenix-area communities (none named in the email)
Active
3.625% / 4.41% APR
Rate type
30-yr FIXED - true permanent fixed, NOT a buydown and NOT an ARM. Builder-funded forward commitment through a locked pool of funds. FHA or VA loan REQUIRED - conventional buyers do not get this rate.
APR
$439,990 price, 3.5% down, FHA/VA, P&I $1,970/mo (excludes taxes, insurance, MI, HOA)
Buyer incentive
Up to 100% of non-recurring closing costs paid, max $10,000, on select inventory / quick move-in homes. Many homes include a full appliance package.
Window / expiry
Rate expires 10/26/26 or earlier when the pool of funds is depleted. HARD CAP: "available for the next two home sales only at community" - first come, first serve. Primary residence only. Max loan amount and LTV restrictions apply but are not published. Not combinable with other incentives.
Ashton Woods
Select Ashton Woods Phoenix-area communities (not named in the email)
Active
3.99% / 4.4% APR
Rate type
30-yr FIXED - true fixed, not a buydown or ARM. FHA or VA loan REQUIRED.
APR
$500,000 price, 3.5% down, FHA or VA loan. P&I only, excludes taxes/insurance/MI.
Buyer incentive
Up to 75% off homesite premiums (varies by homesite); up to 75% off design options and floorplan features, capped at $30,000 off $40,000 of non-structural options on to-be-built AW Collections homes; AW Collection designer finish package included. Not combinable with any other offer.
Window / expiry
Rate expires 9/24/26 or earlier when the locked pool of funds is depleted. Available for the NEXT TWO HOME SALES ONLY at community, first come first serve. Primary residence only.
Ashton Woods
Communities across Phoenix (not named)
Active
Not quoted in text
Rate type
FHA loan with 3.5% down payment assistance
APR
—
Buyer incentive
Up to 100% financing / $0 down; no income cap stated
Window / expiry
Rate and price appear only in the header image and on the landing page. See Follow-ups.
K. Hovnanian
All Arizona / Phoenix-area K. Hovnanian communities per the campaign tags; specific homes not identified
Active
No buyer rate offered - this is agent compensation only
Rate type
N/A - no financing offer in this campaign
APR
—
Buyer incentive
None for the buyer. Agent-side only.
Window / expiry
REGISTRATION REQUIRED: agent must register the client in person on the client's first visit at each community, or in advance via Rapid Registration - call (928) 275-1811 or email Arizona@khovhomes.pure.cloud. Registration valid 30 days.
William Ryan Homes
Not stated - "based on community of interest"
Active
4.99% / 5.402% APR
Rate type
30-yr FIXED FHA as written. 3.5% down, minimum 680 FICO.
APR
3.5% down, 680 minimum FICO, FHA only
Buyer incentive
"Flex cash" incentive tied to using the builder lender - dollar amount not stated
Window / expiry
Rate appears only in the legal disclaimer, not in the marketing copy. Body of the email is an incentive-wheel image that does not render as text.
Ashton Woods
Sunset Farms, Tolleson
Offer may have passed
3.49% / 4.335% APR
Rate type
30-yr FIXED - true fixed, NOT a buydown or ARM. FHA or VA loan required.
APR
$449,990 price, 3.5% down, FHA/VA, P&I $1,981
Buyer incentive
$7,000 non-recurring closing costs; $18,300 Ashton Woods incentives
Window / expiry
Rate runs off a locked pool of funds; expires 10/26/26 or when the pool is depleted. First come first serve, next two sales at community only.
⚠ This offer window may have passed. Contact Clifford to check if a current version is available.
Ashton Woods
Select Ashton Woods Phoenix-area communities (not named in the email)
Offer may have passed
3.625% / 4.41% APR
Rate type
30-yr FIXED - true fixed, NOT a buydown or ARM. FHA or VA loan required.
APR
$439,990 price, 3.5% down, FHA/VA, P&I $1,970
Buyer incentive
Headline says up to 100% of closing costs; fine print caps it at $10,000 non-recurring. Many homes include a full appliance package.
Window / expiry
Rate expires 10/26/26 or when the locked pool is depleted. Limited to the next two home sales at each community.
⚠ This offer window may have passed. Contact Clifford to check if a current version is available.
Ashton Woods
Madera (Queen Creek), Aloravita (Peoria)
Offer may have passed
3.75%
Rate type
CONVENTIONAL 7/6 ARM, NOT A FIXED RATE. Fixed 84 months, then adjusts every 6 months (CMT + 2.00 margin), 1% per adjustment cap, 8.75% lifetime cap. 10% down and 740 FICO required.
APR
APR is inconsistent inside the same email: body says 5.35%, fine print says 4.095%. Do not quote either until confirmed.
Buyer incentive
$15,000 closing costs at Madera / $10,000 at Aloravita, non-recurring only
Window / expiry
No rate-lock date published. Rate available only until the pool of funds is depleted, first come first serve.
⚠ This offer window may have passed. Contact Clifford to check if a current version is available.
Taylor Morrison
Select Phoenix-area full-price Quick Move-In homes
Offer may have passed
3.99% / 4.05% APR
Rate type
30-yr conventional FIXED - true fixed, not a buydown
APR
$650k price / $520k loan, 20% down, 780 FICO
Buyer incentive
Rate is the incentive; full-price QMI only, not combinable with other offers
Window / expiry
Limited pool of funds; rate available until the pool is depleted. Widest community selection of any current offer.
⚠ This offer window may have passed. Contact Clifford to check if a current version is available.
Meritage Homes
Valley-wide select move-in ready homes
Offer may have passed
No rate offered (price reduction only)
Rate type
No rate quoted
APR
—
Buyer incentive
Up to $96,000 off select quick move-in homes
Window / expiry
Price-cut event, not a rate promotion.
⚠ This offer window may have passed. Contact Clifford to check if a current version is available.