Flex Cash: The Homebuyer Incentive That Puts You First

At Lokal Homes, we believe homebuyer incentives should be built around your needs. That’s why we use Flex Cash, a customizable incentive program that gives you real choices when buying your new home.

Unlike traditional builder incentives that push you toward a specific benefit, Flex Cash empowers you to choose how to use your dollars. Whether you want to lower your monthly payment, reduce upfront costs, or boost your equity from day one, you get to choose what's best for you.

Here’s a breakdown of your options:

1. Buy Down Your Interest Rate

How it works: Apply your Flex Cash toward discount points that permanently reduce your mortgage interest rate. That means lower monthly payments for the life of your loan.

Why it matters: If you’re focused on long-term affordability, this is a powerful way to save money every single month and thousands over the life of the loan.

Best for: Buyers planning to stay in their home for many years like families putting down roots or buyers looking to hedge against rising rates.

Example: Maria and James are buying their long-term home and plan to stay for at least 10 years. By using Flex Cash to reduce their rate, they save over $250/month freeing up funds for college savings and retirement goals.

2. Reduce Your Closing Costs

How it works: Flex Cash can be used to cover closing costs such as lender fees, title charges, HOA fees or prepaid taxes and insurance reducing how much you need to bring to the table.

Why it matters: It helps you preserve your savings and adds financial breathing room as you transition into your new home.

Best for: First-time buyers or anyone short on upfront cash especially if you're juggling down payments, moving costs, and new-home expenses.

Example: Kayla is a professional launching her career and ready to invest in her future. With Flex Cash, she reduces her closing costs giving her more flexibility to furnish her new space, travel for work, and build a strong financial foundation.

3. Lower the Purchase Price

How it works: Apply Flex Cash directly toward the purchase price of the home, reducing your total loan amount and increasing your equity from day one.

Why it matters: Lowering your price gives you instant equity and better positioning if the market appreciates. It’s a smart financial move for the long haul.

Best for: Buyers focused on building wealth and long-term appreciation, especially those confident in local market growth.

Example: Derek is moving to a fast-growing neighborhood and sees strong upside. By applying Flex Cash to lower his price, he starts with more equity and stands to gain more as values rise.

You’re In Control With Flex Cash

Every buyer has different goals. Flex Cash gives you the power to choose what matters most:

• Lower monthly payments
• Reduced upfront costs
• Stronger long-term equity

Visit any Lokal Homes community today to explore available homes and chat with a sales associate about how to make Flex Cash work for you.

Fall in love with the home. Fall in love with your options. Build a future that works for you starting now.