Is Your Lender Rebate-Friendly? What Buyers in The Fields Need to Ask
- Nitin Gupta
- Aug 15
- 2 min read
Buying in The Fields, Frisco? Scoring a 2.5% rebate is only part of the equation—your lender must be able to apply it properly.
Some lenders have restrictions that could cause you to lose part of your rebate if you’re not careful.
Here’s how to find a lender who works with rebates—not against them.
💼 What Does “Rebate-Friendly” Mean?
A rebate-friendly lender:
Accepts third-party agent rebates
Structures the loan so rebate doesn’t exceed contribution limits
Suggests alternative uses (buydown, escrows, principal, post-close check)
They work with your agent—not block your savings.
❓ Questions to Ask Your Lender
Can you apply a 2.5% buyer agent rebate toward my closing costs or buydown?
What’s the max combined contribution allowed on my loan type?
If the builder is paying costs, what other ways can I use the rebate?
Do you allow post-close rebate checks to the buyer?
Have you worked with agent rebates before in Frisco or The Fields?
❌ Red Flags to Watch For
“We don’t allow outside rebates.”
“You have to work with our preferred agent.”
“The builder’s paying costs so you can’t get the rebate too.”
If you hear this—run.
🏡 Builder Lender vs. Independent Lender
Option | Pros | Cons |
Builder Lender | Smooth incentive use, closing cost credits | Less flexible with outside rebates |
Independent | More creative rebate application, flexibility | May forfeit builder-paid costs if not aligned |
Best Case: Use a lender who partners well with your agent and gets partial builder incentives.
✅ Final Takeaway
Your rebate only works if your lender does.
Choose a lender who:
Understands how to structure rebate usage
Coordinates with your agent and builder
Offers creative solutions to maximize value
Need a List of Rebate-Friendly Lenders for The Fields?
Ask now to get connected to mortgage professionals who help buyers keep every penny of their rebate.
About US: Texas Home Buyer Cashback Rebate Specialist Real Estate Agents
As the leading team specializing in New Home Cashback Rebates in Texas, we firmly believe in rewarding the efforts of new home buyers. When you take the initiative to search for your dream home, you not only save us time and resources but also contribute to your own savings. That's why we are proud to offer some of the most competitive new home rebates available in Texas! We understand that commissions reserved for the buyer's Realtor are a part of the overall cost, and we're here to ensure you don't leave any money on the table.
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In addition to our outstanding new home rebates, we also extend our benefits to buyers interested in resale homes within the Dallas-Fort Worth area.
Contact us today, and let us show you how we can assist you in saving money while making your dream home a reality! Your satisfaction and savings are our top priorities.
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