Free Resources
Builder's Lender vs. Your Lender Calculator
See which loan really costs less
Compare a builder's lender with an outside lender using each loan amount, interest rate, closing costs and credits, along with the loan term and how long you expect to keep the loan. The calculator estimates monthly principal and interest, closing costs after credits, payments and remaining balance over that time frame to compare true cost—not just the advertised rate or incentive. Confirm every figure with your lender.
Option A
Builder's lender
Option B
Your outside lender
- Get both Loan Estimates the same day for the same loan type and lock
- For a temporary buydown or ARM, enter the rate after the promo period
- Check whether the incentive disappears with another lender
- You're never required to use the builder's lender
Educational estimate, not a loan offer or financial advice. Confirm every figure with your lender.