Anyone get NVR Homes to match a Veterans United rate without losing seller credits?
I’m am under contract on a new construction home with NVR Mortgage / Ryan Homes and trying to decide whether to use their lender or stick with Veterans United Home Loans for our VA loan.
Veterans United is currently offering us a noticeably lower interest rate than NVR’s preferred lender, and we are not buying points. NVR is offering closing cost incentives/seller credits if we use their lender, but the higher rate potentially costs much more long term.
I’m curious if anyone has successfully:
- gotten NVR Mortgage to MATCH a Veterans United rate
- kept most or all of the seller credit/closing cost incentive after a match
- negotiated without them dramatically reducing the incentive amount
We are VA buyers and exempt from the VA funding fee, if that matters.
Did NVR eventually negotiate when you showed them a Loan Estimate from another lender? Or were they pretty firm on the rate/credit tradeoff?
Would love to hear real experiences, especially from anyone who built recently with Ryan Homes/NVR.