Builder ads quote a Year-1 intro payment that steps up later. I track every active listing across Utah — plus builder-direct homes that never reach the MLS at all — and recompute each one to its complete, ongoing payment. So you can search by what you’ll actually pay, not what’s advertised.
Across the 303 tracked homes where builders are advertising an intro payment right now, the complete ongoing payment runs $317–$2,529 a month above the advertised Year-1 number.
These are real listings, refreshed weekly. The builder’s name is withheld here — buyers working with me see every home, every builder, every complete number. New to buydowns and intro rates? Builder incentives, explained.
Every home recomputed to its complete monthly payment — taxes, insurance, PMI, and HOA included, at the permanent rate. Refreshed every Monday · last updated September 7.
Want the same math on your budget? Run it yourself, right here.
Start from a price or from your monthly budget. For new construction you’ll see both numbers — the Year-1 intro payment builders advertise and the complete ongoing payment — computed with your county’s real property tax rate, real HOA averages, and PMI already in. No form, no wait.
Pre-loaded with this week's averages across every home we track — change anything. Assumes a 30-year fixed loan, Utah County’s 0.49% effective property tax for a primary residence (Utah’s 45% residential exemption applied), $1,200/yr insurance, and PMI under 20% down. Estimate, not a loan offer or a qualification.
Zillow and the big portals mirror the MLS. But builders sell many of their move-in-ready homes without ever listing them — in our latest audit, about 1 in 5 of the active builder homes we track couldn’t be found on the MLS at all. Those homes are in our search, side by side with everything that is on the market.
57 move-in-ready homes beneath Maple Mountain — condos, townhomes, and single-family, priced from $309,900 — with the complete monthly payment on every one.
Explore Harmony RidgeTell me your target monthly payment and I’ll show you actual quick-move-in homes near it — builders named, complete payment on every one — the moment you hit the button. Then I follow up personally with the full picture.
New-construction incentives, rate buydowns, and lender credits can quietly beat a resale on the number that matters — what you pay each month. I run the actual comparison so you’re deciding on real figures, not a sticker price.
Walk into a builder’s model unregistered and you can lose your right to your own agent — the on-site rep works for the builder, not you. I register you first, so you keep independent representation through the whole build.
Utah Housing, Loan to Own, FHA and USDA, Eagle Mountain’s MAP — the down-payment and assistance stack is a maze. I line up the programs you actually qualify for and stack them to close the gap.
In a new construction home, I look for every imperfection — and make sure each one gets corrected before you take possession. A lot of agents don’t do this. I’ve spent enough time inside builder construction to know what to look for, down to radon testing and the punch-list items most buyers never think to ask about.
On video, when you’re out of state. In person, when you’re not. By the time you step inside a home with me, I’ve already vetted it against your list.
Where the main water shut-off valve is. How often to change the air filter. How the appliances actually work. The boring details that turn a house into a home you can care for.
Every buyer I close with. Because moving is exhausting and the last thing you should be thinking about is what’s for dinner. Your kids are welcome at every step, too — I’m happy to keep them company so you can focus on the home.
Touring a new build this week? Let me register you first — before you lose your right to your own agent.
Call — (385) 330-7198Reach her at (385) 330-7198. If she’s with a client, you’ll hear back quickly — usually within the hour during business hours.
You’ll walk out of the call with three things: a quick read on your market, a clear sense of timing, and an honest answer to whatever’s keeping you up at night. If you’d like a CMA, I’ll send one.
A few natural paths: an in-person meeting at the home, a CMA delivered by email, a showing tour, or — when you’re ready — sending the agreement. No pressure on any of them.
Most clients have a second conversation within a week. Some take three months. Both are fine.
Call Stephanie — (385) 330-7198