I’ve seen lots where the rates and fees were artificially high so they can “give back” a $2500 credit. I’ve seen some where they “give” a $10k incentive and it’s hard to compete with. It’s great if the buyer takes them up on their offer, bumps up the rate to cover ALL closing costs, etc. And the day after closing they start a refi application so the in house lender gets hit with an EPO, lol. It’s like taking the “dealer financing” incentive at the car dealership and then refinancing with the bank you really want after.are they still giving incentive to use their in house lender? rates are usually pretty market competitive and they literally exist to close deals for the builder. unless there is no incentive and your guy can beat their pricing substantially there really isnt a reason not to use the in house lender, I say this having been in the in house lender for several of the big public builders from 2010-2017.