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Go for "almost new" instead of brand new
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Even though a builder might offer outrageous incentives if you agree to build a new home, it could cost tens of thousands of dollars more in mortgage costs. A smart buy is in the resale market, where many homes for sale are almost brand new, and sometimes never even lived in - but are still available at vastly decreased prices. If you like a specific builder's style, contact a real estate agent to find similar homes already on the resale market.