Are builders around Nashville offering rate incentives?
Updated November 12, 2026
Yes. Builders in the Nashville area are advertising mortgage rates near 5 percent and closing cost help on select new homes, against a national average of 7.11 percent.
A builder incentive is money the builder spends to lower your loan rate or cover your closing costs. The offers below were read from the builders' own pages on November 12, 2026. Each one applies to select homes and has an end date, so confirm the current terms with the builder.
Goodall Homes
Goodall builds in Columbia, Murfreesboro, Rockvale, Nashville, Spring Hill and White House, among other places.
| Offer | Loan type | Dates on the offer |
|---|---|---|
| 4.99 percent fixed rate, 5.750 percent APR | FHA and VA | Contracts from October 2, 2026. Close before February 1, 2027. |
| 5.750 percent fixed rate, 6.048 percent APR | Conventional | As of September 25, 2026. Close before January 25, 2027. |
| 2.99 percent in year one, 3.99 percent in year two, then 4.99 percent. 5.750 percent APR | FHA | Contracts from October 2, 2026. Close by February 1, 2027. |
| $15,000 in closing costs on quick move in homes | Not stated | No end date listed |
Source: Goodall Homes promotions page, read November 12, 2026. The rate offers require financing with Silverton Mortgage and apply to select homes.
D.R. Horton
D.R. Horton's Tennessee listings show a financing offer on certain homes in select communities for contracts written on or after September 22, 2026 that close by December 31, 2026. The rate depends on the home and loan type, and the offer requires D.R. Horton's lender, DHI Mortgage. Its Campbell Place community in Lebanon lists homes from $259,990.
Source: D.R. Horton listing pages for Tennessee, read November 12, 2026.
More communities with offers
NewHomeSource lists 104 new home communities in the Nashville area tagged with a special offer. Examples from that list:
| Community | Builder | City | Priced from |
|---|---|---|---|
| Stokers Village | Century Communities | Nashville | $339,990 |
| Greystone, Vista Townhomes | Meritage Homes | Smyrna | $386,100 |
| Bledsoe Springs | M/I Homes | Gallatin | $404,990 |
| Bradshaw Farms | Davidson Homes | Mount Juliet | $429,900 |
Source: NewHomeSource, Nashville area communities with special offers, read November 12, 2026. The listing shows that an offer exists, not its amount.
What to check before you count on one
Most rate offers require the builder's own lender. Ask another lender for a Loan Estimate on the same home and compare the two line by line. The CFPB explains how in its Loan Estimate guide.
Compare the APR, not only the rate. The APR includes fees and mortgage insurance, which is why it runs higher than the advertised rate.
A temporary buydown lowers the rate for the first year or two. Qualify and budget on the rate the loan settles at.
Offers apply to select homes, often ones that are finished or close to it.
Why have your own agent on a new home
The sales team in a model home works for the builder. Your own agent works for you. On a new home that matters in five places.
The contract. A builder's purchase agreement is written by the builder. Your agent reads it with you, explains the deadlines and deposits, and asks for changes on your behalf.
The incentive. Builders can move on the rate, closing costs, upgrades or price. Your agent compares offers across builders and helps you ask for the one worth the most to you.
The lender. An incentive tied to the builder's lender is worth checking against a second quote. Your agent helps you line the two up.
The inspections. A new home can still have defects. Your agent helps you schedule independent inspections, commonly before the drywall goes up, before closing and before the builder's first year warranty ends.
The resale picture. Your agent can show you what nearby homes have sold for, so you know how the builder's price and lot premium compare.
Timing matters. Builders set their own rules for working with a buyer's agent, and many ask that your agent be with you or registered on your first visit. Ask before you walk in. Agent pay is negotiable and is spelled out in a written agreement between you and your agent. Ask the builder whether it pays a buyer's agent.
Brian Barnes, REALTOR®, represents buyers of new homes in Davidson, Rutherford, Maury, Sumner and Wilson counties. Call or text 629.256.7845 before your first model home visit.
See it on your numbers
The calculator's builder incentive box uses 5.75 percent, the conventional rate in the Goodall offer above, in place of the 7.11 percent national average. Tick the box in the calculator on the home page to see what that does to your price range.
Own Nashville is not affiliated with any builder or lender named here. Offers change and may end without notice. National average: Freddie Mac Primary Mortgage Market Survey, November 12, 2026.