New-home communities — with the payment you’ll actually make.
I’m Stephanie. I track quick-move-in homes across Utah County builders and compute the complete monthly payment on every one — taxes, insurance, PMI, and HOA included, at the permanent rate. Here are the communities I’ve built a full page for so far.
Community pages, live and updated weekly.
Each page carries every home for sale in that community with both numbers side by side — the Year-1 intro payment the ads lead with, and the complete ongoing payment you’ll make after it steps up.
Harmony Ridge
55 move-in-ready homes, priced from $309,900 — each one with its complete monthly payment, not just the intro rate.
Explore Harmony Ridge
Inverness
1 move-in-ready home, priced from $1,299,990 — each one with its complete monthly payment, not just the intro rate.
Explore Inverness
Firefly
14 move-in-ready homes, priced from $369,820 — each one with its complete monthly payment, not just the intro rate.
Explore FireflyThe payment behind the payment.
Builder incentives are real — and genuinely hard to compare. Here’s how I track them, and what the numbers on these pages mean. For the full breakdown of how each incentive type works — and which buyers each one fits — see Builder incentives, explained.
What is the “complete monthly payment”?
It's what a home actually costs to keep every month, after any intro period ends: principal and interest at the permanent note rate, property taxes, homeowner's insurance, PMI when the down payment is under 20%, and HOA dues. Builder ads usually lead with a Year-1 payment from a temporary rate buydown — a real and often valuable incentive, but a different number than what you'll pay in Year 2 and beyond. I show both on every home so you can compare honestly.
Why do builders advertise a Year-1 intro payment?
Most large builders offer financing incentives through an affiliated lender — often a temporary 2/1 buydown that lowers the rate for the first year or two, sometimes a permanent below-market rate for the life of the loan. Advertising the Year-1 number shows the incentive at its strongest, and these programs can genuinely make a new home more affordable. The catch is comparison: one community's advertised payment may be temporary while another's is permanent. That's why I recompute every home to the same complete, ongoing number — so the incentives compare apples to apples.
Which builders and communities do you track?
Right now, 767 move-in-ready homes across 147 communities from 15 major Utah builders — including Candlelight Homes, Century Communities, D.R. Horton, David Weekley Homes — refreshed every Monday from the builders' own published listings.
Do these pages show every home for sale in a community?
They show every quick-move-in home the builder publishes for that community, refreshed weekly. Presales and to-be-built plans work differently — pricing depends on the lot and options — so those are a conversation rather than a list. And if you're watching a community I haven't built a page for yet, call or text me and I'll pull its current homes and complete payments for you directly.
Does using my own agent change the builder's price?
No. Builders publish one price, and their on-site agents represent the builder — bringing your own agent doesn't raise it. Where I've confirmed that directly with a builder, the community page says so plainly. What changes is that you get someone on your side of the table for deposits, deadlines, contract terms, and the final walk-through.
Don’t see your community yet?
I already track 147 new-construction communities across 15 Utah County builders in my system — the full pages go up a community at a time, starting with the ones buyers ask about most. Tell me where you're looking and I'll pull that community's homes and their complete payments for you directly.
Or skip the wait and look yourself — every builder-direct and MLS home on one page, no sign-in required.
- Candlelight Homes
- Century Communities
- D.R. Horton
- David Weekley Homes
- Destination Homes
- Edge Homes
- Garbett Homes
- Holmes Homes
- Ivory Homes
- Lennar
- LGI Homes
- Meritage Homes
- Richmond American
- Visionary Homes
- Woodside Homes
Every home recomputed to its complete monthly payment — taxes, insurance, PMI, and HOA included, at the permanent rate. Refreshed every Monday · last updated September 14.