If you’re thinking about buying but feel like the traditional housing market hasn’t offered you what you want, here’s something worth considering: new construction may now be one of the best opportunities you’ll see in years. At Best Option Mortgage (DBA ML Mortgage Corp., NMLS #362312), we’re seeing conditions shift in favor of buyers—especially those looking at newly built homes.
Right now, builders are incentivizing buyers with substantial perks, and supply is broadening in ways that haven’t been common recently. That’s why we think this may be the best time to buy a brand‑new home—and why it’s worth exploring if you’ve been on the fence. According to experts, the current mix of inventory, incentives, and market trends creates a window buyers shouldn’t ignore.
Below, we’ll break down the trends, explain what they mean for you, and help you decide whether now is your moment to act.
1. More New Homes Are Available — and That Might Not Last
The housing market’s inventory challenge has been well‑documented over the past few years. But here’s a key nuance: while resale inventory remains limited in many regions, new construction options have expanded significantly in 2025. That means:
More move‑in‑ready homes to choose from
More floor plans and modern features available
Increased likelihood of finding a home that truly fits your needs
According to available housing data, roughly 1 in 3 homes on the market today are new builds, significantly higher than historically normal levels — even though builders are beginning to pull back on starts. That combination creates a rare moment of choice for buyers.
More inventory means more leverage for you. Whether you value a particular style, location, or layout, having more options lets you be selective rather than reactive.
2. Builder Incentives Are at an All‑Time High
Right now, many builders are offering incentives that can make buying a brand‑new home more affordable than you might expect. These perks often include:
Lower negotiated prices on new homes
Help with closing costs — sometimes thousands of dollars covered
Extra upgrades included at no extra cost
Mortgage rate buydowns that lower your long‑term monthly payment
That’s more than just a discount — it’s a way to stretch your budget further and potentially increase your home’s value without spending more. These kinds of incentives represent a buyer’s edge that hasn’t been this pronounced in recent memory.
If you want to compare how new construction deals stack up against existing homes, our 2026 Housing Market Outlook can help you assess broader trends.
3. Market Conditions Are Shifting in Buyers’ Favor
It’s no secret that the broader housing market has seen shifts over the past year — from softer price growth to pockets of rising inventory and improved buyer leverage. Some of these shifts also benefit new home buyers:
Buyers are less likely to face intense bidding wars
Builders compete with one another for your business
More flexible terms are common as sales strategies adapt
This alignment makes today’s environment one of the most buyer‑friendly in years — especially when you consider options like new construction tucked into growing communities or planned neighborhoods.
For additional perspective on overall market timing, our Homebuyer Search Trends blog post offers insight into current buyer behavior.
Are New Builds Right for You?
Brand‑new homes offer unique advantages:
✔️ Modern Layouts & Features
Many new builds include open floor plans, energy‑efficient design, smart home tech, and high‑end finishes that might cost extra in older homes.
✔️ Lower Maintenance Costs Initially
Since everything is new, you’re less likely to deal with immediate repairs — freeing up time, money, and stress.
✔️ Warranty Protection
Builder warranties often cover major systems and structural elements, giving you added peace of mind.
But they’re not perfect for everyone. For example, new home communities may still be under development, which can mean adjacent construction or longer timelines. That’s why weighing your priorities—existing versus new—matters.
How Best Option Mortgage Can Help
At Best Option Mortgage, we help buyers evaluate the total cost of ownership, not just the monthly payment. Here’s how we support you:
Help you understand builder incentives and how they impact your financing
Work with you to compare new construction vs. resale options
Coordinate financing strategies tailored to your long‑term goals
Partner with real‑estate professionals who know your local market
Whether you’re considering new construction or existing homes, we’ll build a plan that fits your timeline and budget.
FAQ: Best Time to Buy a Brand‑New Home
Q1: Why is now potentially the best time to buy a brand‑new home?
Because builder incentives are high, inventory of new homes has expanded, and competitive market conditions give buyers more leverage than in recent years.
Q2: What types of incentives are builders offering?
Builders are offering lower prices, closing cost help, free upgrades, and mortgage rate buydowns, all designed to attract buyers in a competitive new home market.
Q3: Will new home prices drop in 2026?
Price movement varies by region. However, current incentives and competition between builders may soften effective purchase costs this year — so waiting for lower nominal prices could mean losing access to current perks.
Q4: How does buying new construction compare to owning an existing home?
New homes often offer modern features and warranty protections, while existing homes may provide established neighborhoods and potentially lower prices. Your best choice depends on personal priorities — and we can help you weigh both.
Q5: Do incentives apply everywhere?
Incentives vary by builder and market. Some areas with higher inventory or slower sales have stronger incentives than others. Local analysis always matters.
Q6: How can I get started today?
Begin by getting pre‑approved with us at Best Option Mortgage. We’ll help you understand how much you can afford and where you have the strongest negotiating position.
Final Thoughts
If you’ve been waiting for a reason to reconsider buying — especially a brand‑new home — now might truly be the moment. With broader inventory, builder incentives, and buyer‑friendly conditions, this could be one of the best times to buy a brand‑new home in years.
At Best Option Mortgage, we’re here to guide you through every step of the process.
Call to Action:
Ready to explore new construction opportunities or compare them with existing homes? Contact Best Option Mortgage today for a custom consultation and pre‑approval that puts you in control of your homebuying journey.
Best Option Mortgage is a DBA of ML Mortgage Corp. ML Mortgage Corp. is a state‑licensed mortgage lender, NMLS ID #362312, licensed by the CA Department of Financial Protection and Innovation under the Finance Lenders Law, License #60DBO69831. For other states, visit www.mlmortgage.net. To verify licenses, visit www.nmlsconsumeraccess.org. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. © 2025 ML Mortgage Corp. All rights reserved.