From the reports I deliver
Three cases, shortened
Every buyer and seller I work with gets something in writing: comps, financing math, upgrade math, whatever the decision actually calls for. These three are shortened into case notes. The full reports are private, delivered client by client, behind a password at the reports library.
Listing Presentation
Pricing a lake lot against the builder’s own inventory
A Hampton Park homeowner with an upgraded lake lot home was weighing a sale while the builder still had new homes for sale in the same community. Before listing, I built a full pricing presentation: what the builder is asking for its own remaining inventory, what a buyer actually pays after builder incentives, and where documented post-close upgrades sit in that math.
The presentation walks through recent community closings and current builder quick move ins, then lands on a recommended list price built from both, so the number is a position, not a guess. The report is private, built for the owners alone.
Buyer Report
Two financing paths, the same new construction home
A buyer couple was deciding on a four bedroom new construction floor plan in a master planned community on the Treasure Coast. Before they signed, I put together a report comparing two ways to finance the same home: an FHA loan at 3.5% down using the builder’s credit, and a conventional loan at 20% down with no mortgage insurance.
Each path is broken out month by month: principal, interest, mortgage insurance where it applies, property tax, HOA, and the CDD assessment, so the two numbers sit side by side instead of living in separate conversations with separate lenders. The report also covers how county tax rates differ across the Treasure Coast, and weighs renting against owning at current local rents. It stayed with the buyers; it isn’t published anywhere public.
New Construction Comparison
Two lots, one Hampton Park decision
A buyer had two active new construction homes to choose between in the same community, both from the same builder. Both fit a 5% down conventional loan, both qualified for a closing cost credit from the builder’s preferred lender, and the buyer planned to pay the loan off inside twelve months, which changed what actually mattered in the comparison.
I built a side by side report: purchase price, loan amount, price per square foot, and a full estimated monthly payment for each home, plus what each floor plan’s layout and finish package offered for the money. The smaller home actually cost more per square foot. Because a rate lock premium wasn’t worth chasing on a twelve month hold, the real decision came down to plan fit and resale profile, not financing terms.