New Year, New Home: Start 2026 With a 4.75% 30-Year Fixed Rate + $5,000 Move-In Package

A new year brings new goals, and for many homebuyers, 2026 is the year to finally make a move. Whether you’re planning to buy your first home, upgrade to more space, or simplify your lifestyle with a move-in-ready home, New Home Inc is kicking off the year with one of our strongest incentives yet.

Qualified buyers can take advantage of rates as low as 4.75% on a 30-year fixed mortgage with Government Loans, plus up to $25,000 in interest rate reductions on select move-in ready homes. To make the move even easier, you can also choose a move-in package valued up to $5,000, designed to help you settle in with confidence from day one.

This New Year incentive is available on new contracts written between January 1 and January 31, 2026, and it applies to select homes across our thoughtfully planned communities. If you’ve been watching rates, waiting for the right opportunity, or hoping for a sign that now is the time, this is it.

A Powerful Start to 2026: 4.75% 30-Year Fixed Rate on Government Loans

Mortgage rates play a major role in long-term affordability, and securing a lower fixed rate can make a meaningful difference in your monthly payment and total cost of ownership. That’s why this incentive is designed with serious homebuyers in mind.

Through this limited-time New Year offer, qualified buyers using Government Loans, such as FHA, VA, or USDA, may lock in a 4.75% fixed interest rate for 30 years on select move-in ready homes. This stability offers peace of mind in an ever-changing market, helping you plan your finances with confidence.

In addition, buyers can apply up to $25,000 toward interest rate reductions, further enhancing affordability. These funds are applied strategically to help lower your rate, reduce payments, and maximize long-term savings.

Important details to keep in mind:

• Government Loans required

• Minimum 660 credit score

• Interest rates subject to change without notice

• Incentives apply only to eligible homes and contracts written January 1–31, 2026

Our team works closely with trusted lending partners to help you understand how these savings apply to your situation, making the process clear and approachable from start to finish.

Choose Your $5,000 Move-In Package and Make the Home Yours

Buying a home is about more than the loan, it’s about how it feels when you walk through the front door. That’s why this New Year incentive includes something many buyers truly value: flexibility.

With this offer, you can choose a move-in package valued up to $5,000, allowing you to personalize your new home or offset immediate move-in costs. Depending on availability and home eligibility, this package may be used toward options that help you settle in faster and more comfortably.

For many buyers, this added incentive removes last-minute stress and turns moving into an exciting, rewarding experience rather than a financial juggling act. It’s one more way New Home Inc helps buyers start the year strong in a home they love.

Why Move-In Ready Homes Are a Smart Choice for Today’s Homebuyers

In today’s market, many buyers are prioritizing certainty, timing, and value, and that’s exactly where move-in ready homes shine. These homes are already built or nearing completion, allowing buyers to move forward without the extended timelines often associated with building from the ground up.

Benefits of Choosing a Move-In Ready Home

Move-in ready homes offer several advantages, especially when paired with limited-time incentives like this one:

• Faster closing timelines

• Lock in rates sooner

• See the actual home before you buy

• Less waiting and fewer unknowns

• Immediate access to community amenities

For buyers with leases ending, relocation timelines, or family needs, move-in ready homes provide clarity and confidence. When combined with a reduced interest rate and additional financial incentives, they create a powerful opportunity to buy smart at the start of the year.

Our Move-In Ready Homes:

129 Charlotte Knoll Street - The Apex: 

The Apex plan at Cattail offers a perfect blend of spacious living, thoughtful design, and resort-style community amenities. With 2,993 square feet of living space, four bedrooms, three bathrooms, and a two-car garage, this stunning home sits on Lot 15—a generous 0.78-acre homesite—and is scheduled for completion in February 2026.

245 Duncan Creek Road - The Apex: The Apex at Duncan’s Creek offers a spacious layout, innovative features, and the convenience of a connected community. Spanning 3,011 square feet, this thoughtfully designed home includes four bedrooms, three bathrooms, and a two-car side-load garage, all situated on Lot 125, a generous 0.59-acre homesite.

275 Duncan Creek Road - The Selma: The Selma plan at Duncan’s Creek combines spacious design, smart innovation, and modern comfort in a beautifully crafted home. With 2,702 square feet, four bedrooms, three bathrooms, and a two-car side-load garage, this home sits on Lot 126, a generous 0.6-acre homesite

376 Beacon Hill Road - The Holly: 2025 Parade of Homes Winner! The Holly at Duncan’s Creek is a move-in ready, award-winning home that perfectly blends luxury design, smart living, and peaceful surroundings. Set on a spacious 0.73-acre tree-lined homesite, this 2,431-square-foot home features four bedrooms and two-and-a-half bathrooms, offering comfort and elegance just minutes from Downtown Lillington and Raven Rock State Park

659 Beacon Hill Road - The Smithfield: The Smithfield plan at Duncan’s Creek offers the perfect blend of spacious living, modern innovation, and small-town charm. With 2,010 square feet, four bedrooms, two-and-a-half baths, and a two-car garage, this thoughtfully designed home on Lot 37, a 0.6 acre homesite

89 Merle Way - The Clayton: This home is a generous 2,699 sq ft and includes 4 bedrooms and 3 bathrooms. Although from the exterior you might assume this home is only one floor, this floorplan extends the home to two floors for ample space. The interior craftsmanship includes features such as a rear fireplace, covered patio, 3- car garage, tall baseboards, window casings and trim, crown molding, and board and batten wainscoting. Each space within the house was carefully crafted with YOU in mind!

Thoughtfully Designed Communities That Support Your Lifestyle

A home is only part of the story, the community around it matters just as much. New Home Inc carefully selects locations that balance convenience, comfort, and long-term livability, giving buyers access to the lifestyle they’re looking for.

Across the Raleigh area, our communities are designed with modern living in mind, offering features and surroundings that appeal to a wide range of homebuyers, from first-time buyers to growing families and those planning their next chapter.

What Homebuyers Look for in a Community

Today’s buyers want more than just a floor plan. They’re seeking neighborhoods that support their day-to-day lives, including:

• Easy access to major roads and employment centers

• Proximity to shopping, dining, and entertainment

• Nearby parks, green spaces, and walking trails

• Schools and family-friendly environments

• A strong sense of neighborhood connection

Our communities are planned to deliver on these expectations while offering thoughtfully designed homes with modern finishes, open layouts, and energy-efficient features.

Buying a New Home in Raleigh, NC: A Smart Long-Term Investment

The Raleigh area continues to attract buyers from across North Carolina and beyond, thanks to its strong job market, vibrant culture, and high quality of life. For many, purchasing a new construction home here represents both a lifestyle upgrade and a sound investment.

When buyers explore new homes in Raleigh NC, they’re often drawn to the balance of opportunity and livability. The area offers a mix of urban convenience and suburban comfort, with neighborhoods that support everything from career growth to family life.

Choosing a new construction home means fewer maintenance concerns, modern building standards, and features designed for today’s living. When paired with New Home Inc’s New Year incentive, it becomes an even more compelling option for buyers looking to maximize value.

Explore new homes  and discover communities designed for the way you live today.

Designed for Real Homebuyers: Who This Incentive Helps Most

This New Year incentive was created with real buyers in mind, people who want clarity, savings, and a smoother path to homeownership.

It’s especially beneficial for:

• First-time homebuyers using Government Loans

• Buyers seeking predictable monthly payments

• Shoppers looking to move quickly into a finished home

• Those comparing incentives across builders

• Buyers motivated to act early in 2026

By combining interest rate reductions with a move-in package, this offer supports both short-term affordability and long-term financial stability.

Timing Matters: Why Acting in January Makes a Difference

Real estate incentives are often tied to specific windows, and this one is no exception. Contracts must be written between January 1 and January 31, 2026 to qualify, making early action essential.

January is also an ideal time to buy for several reasons:

• Less buyer competition than peak spring months

• Faster lender and builder timelines

• Ability to lock in incentives before rates shift

• Fresh inventory of move-in ready homes

For buyers who’ve been waiting for the right moment, this incentive aligns timing, savings, and selection in a way that’s hard to replicate later in the year.

Explore New Homes in Raleigh, NC With New Home Inc

At New Home Inc, we believe buying a home should feel exciting, not overwhelming. Our team is here to guide you through every step—from exploring communities to understanding financing options and selecting the home that fits your lifestyle.

If you’re ready to start the year in a new space, now is the time to explore new homes in Raleigh NC and take advantage of this limited-time New Year incentive.

Explore our communities and see which move-in ready homes qualify for rates as low as 4.75% plus a $5,000 move-in package.

Ready to Make 2026 Your Year?

This New Year, don’t just set goals, set roots. With a 4.75% 30-year fixed rate, up to $25,000 in interest rate reductions, and a flexible $5,000 move-in package, New Home Inc is making it easier than ever to step into a home designed for your life.

Availability is limited, and incentives are subject to change. Connect with our team today to schedule a tour, explore qualifying homes, and take the first step toward homeownership in 2026.