Loading Arizona new homes...Loading Arizona new homes...Use this page to show buyers the simple math: market-rate payment vs 3.99% FHA vs 4.75% Conventional, plus what that can mean for monthly savings and buying power.
Current market-rate comparison source
Freddie Mac PMMS 30-year fixed · As of 5/14/2026. Examples are informational only.Compare the same example price against a market-rate scenario, 3.99% FHA promo example, and 4.75% conventional promo example. Then ask Tim to verify what applies today.
$2,991/mo estimated
Same example home price, before any builder promo-rate opportunity.You Save $563/mo
$202,680 lifetime savings estimate · $33,780 in 5 years · $6,756/yearYou Save $324/mo
$116,640 lifetime savings estimate · $19,440 in 5 years · $3,888/yearApproximately $6,756 per year, $33,780 in five years, and $202,680 across a 30-year loan in this illustrative example.
Examples are illustrative only. Rates, incentives, taxes, insurance, HOA, mortgage insurance, and qualification vary. Verify current terms with Tim and the lender.
Use this with buyers at the kitchen table, in the model, or on your phone. It compares a market-rate payment against 3.99% FHA and 4.75% Conventional promo examples.
Monthly savings: $563
$6,756/year · $33,780 in 5 yearsMonthly savings: $324
$3,888/year · $19,440 in 5 yearsEstimates 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.