You just bought a brand-new home… and you’re already underwater. How does that even happen?
Most buyers think new construction = a great deal.
But what if the deal is structured against you from day one?

In this episode of Ask Ella Show, I break down what’s really happening behind builder incentives, rate buy-downs, and why so many buyers are walking into negative equity — sometimes before they even move in.

If you’re considering new construction in 2026, this is a conversation you cannot afford to miss.

This isn’t about the house.
This is about the structure of the deal.

💡 In This Episode, I Cover:

• Why up to 27% of buyers may already be underwater
• How builder rate buy-downs actually work (and why they’re misleading)
• The real reason new construction prices are often inflated
• Why a “low rate” doesn’t always mean a better deal
• How temporary rates can lead to payment shock later
• The hidden costs built into builder incentives
• The biggest red flags when working with builder lenders
• Why comparing resale vs new construction is critical
• What you must do before signing any builder contract

Most buyers focus on the monthly payment.
Smart buyers understand the full financial structure.

🎯 Want to review your deal before you sign anything?
👉 https://www.fairway.com/lo/ella-gurfinkel-188161

Ask the right questions now — or pay for it later.