Are Builder Credits a Scam? What Most Buyers Don’t Realize

I’ve been seeing more homebuyers offered massive builder credits—$25K, $35K, even $40K on average-priced homes—and while that might sound like free money, there are some real risks under the surface.

In this video, I’ll explain exactly how these credits work, why builders offer them, and when they can actually backfire.

Here’s what I cover:
Why builders use big credits instead of cutting the price
The appraisal risks you might not see coming
How builder incentives can inflate values and impact resale
Why that “amazing rate” might come with a 10+ year payback period
How to shift credit strategy to protect your equity
What I advise my own clients to ask their agents before signing

If you’re buying a new build and getting offered 5 - 7% in seller credits, this is a must-watch before you lock it in. I’m not here to tell you credits are bad, just that without a smart plan, they can create more risk than reward.

Want to see if that builder credit is actually saving you money - or just inflating the price? I can walk you through a real payback analysis and smart credit strategies. Please call/text me. Me or my assistant will respond personally. 316-669-5272

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This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Lender.








Evan Kaufman
WeVett Home Loans
NMLS 2375529






NMLS ID#2755855 WeVett Home Loans, Division of Focus Mortgage, Inc. 2400 N Woodlawn Blvd STE 205, Wichita, KS 67220