What actually happens, with no salesperson in the loop.

The rail

From search to keys, one milestone at a time

1. Search builder inventory

   Browse new homes straight from builders - filter by metro, price, plan, and move-in date. Every listing states the builder's incentives in plain terms.

2. Decode the true cost

   A rate buydown, closing costs covered, a price reduction - each is worth a different amount on your loan. The decoder works each one against your financing and flags anything your contribution caps won't let count, so you see the advertised number and the real one.

   INCENTIVE DECODER

   “$8K flex cash + 2-1 buydown + $5K design credit”

   What that pitch actually means for your loan:

   $8,000 can pay your closing costs - the fees due at signing. It is not cash in your pocket.

   $6,435 est. buys a 2-1 rate buydown: your payment starts lower, stepping up over two years.

   $5,000 design credit - this home is finished, so it converts to a closing-cost credit.

   FHA seller-contribution cap · 6% = $23,399 $19,435 offered · est.

   Closing-cost credits Rate buydown

   ✓ Fits within the cap - $3,964 of headroom.

   Estimates, not lender terms - you choose your lender, always.

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3. Verify your identity

   Before tours and offers, every party proves who they are - you, the builder, the title company. Homes without agents are a fraud target, and verifying everyone is how strangers safely hand each other keys. A closer look takes under 4 business hours; you can keep browsing while it finishes.

   ✓ Identity verified ✓ Business verified

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4. Tour on your schedule

   Your verified identity unlocks self-guided tours where builders offer them - a one-time door code for model homes and move-in-ready inventory. Walk through at your own pace; nobody is working you toward a close.

5. Build a structured offer

   An offer here is a term sheet, not a pile of paper: price, earnest money, contingencies, dates - every term explicit, in one place. When the builder counters, it arrives as a diff - changed terms old-to-new, unchanged terms folded away.

   Counteroffer received from Cedarline Homes v1 → v2

   • Offer price $384,990 → $387,490 +$2,500
   • Closing-cost credit $8,000 unchanged
   • Closing date Aug 8, 2026 unchanged

   You decide - accept, counter, or decline. Nothing moves without your approval.

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6. Review & Send

   Sending is a ceremony, on purpose. A full-screen gate spells out what you're committing to, what it costs, and what's refundable. Buying with someone? Every co-buyer approves individually - nothing sends until each of you says yes, and every approval is logged with a dated receipt.

   REVIEW & SEND

   You're about to make a real offer.

   Take a breath. Here is exactly what this does.

   1

   Your offer of $384,990 for 456 Juniper Court transmits to Cedarline Homes - from you, in your name.

   2

   If accepted and you sign, your $4,000 earnest money is committed - protected by your three contingencies.

   3

   Nothing is negotiated on your behalf. Counteroffers come back to you as term-by-term diffs - your decision, every time.

   APPROVALS - BOTH BUYERS MUST APPROVE

   Maya R. (you) ✓ approved

   Diego R. (co-buyer) pending - nothing sends until every buyer approves

   I understand - send my offer

   Nothing is sent, signed, or spent until you tap Approve. Your approval is recorded with today’s date. receipt #SK-2026-07214

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7. Ride the rail to closing

   Under contract, the same rail carries the deal home: earnest money, loan milestones, title work, inspection, closing. Every milestone shows its deadline and where its status came from - a party's own system or a named human - and flags any update running late before it becomes a problem.

8. Keys

   Closing day. You sign documents you've already read in plain language, the deed is recorded, and the keys are yours. The full log of every approval, document, and deadline stays with you.

   Maya R. · approved offer v2 Jun 10 · 2:14 PM #SK-2026-07214

   Diego R. · approved offer v2 Jun 10 · 2:31 PM #SK-2026-07215

   Maya R. · signed closing package Aug 8 · 9:30 AM #SK-2026-09112

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