Do You Have to Use the Builder’s Lender? What Northern Virginia New Construction Buyers Should Know
Posted by Chris Colgan on
Do You Have to Use the Builder’s Lender? What Northern Virginia New Construction Buyers Should Know
By The Chris Colgan Team | Real Broker, LLC
Research checked Sep 7, 2026
No—you generally do not have to use the builder’s preferred lender. But in my experience helping Northern Virginia buyers, you often want to consider it seriously: I have seen outside lenders beat the interest rate, but I have not personally seen one beat the builder’s complete incentive package.
That is my experience, not a guarantee about your loan. Your decision should account for the incentives you actually qualify for, the loan’s cost over time, and whether the financing fits your situation.
The practical distinction is this: you can…
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