Bring a real estate agent

New-home buyers—especially those who have never purchased a home before, let alone new construction—may not be aware that they can use a real estate agent for their purchase. Many new-home communities also offer a broker co-op to real estate agents. And using a Realtor is the best way to ensure that you are getting the best deal because he or she will negotiate on your behalf, finding out about any available concessions the builder is willing to make to sell you a home.

Builder upgrades

It costs the builder far less to upgrade your flooring or your countertops than it would cost you, so they are more likely to concede to a couple of these upgrades than they would be to discount the price of the house. Don’t be afraid to ask for what you want; the worst they can say is, “No,” and you might be surprised at what they’re willing to throw in.

Personalized floorplan

New homes typically have options that give buyers some floorplan flexibility. While many of these options come at a higher cost, you may be able to get them for free depending on how motivated the builder is to sell. Want to turn a bedroom into a home office or a loft into an art studio? Ask away!

Lower interest rate

Builders who are looking to getting homes sold quickly, especially if they have standing inventory, may buy down the interest rate, thereby making the homes more affordable for buyers. This is often tied to using the builder’s in-house or preferred lender, but that doesn’t mean you don’t have a choice to use another lender.

It pays to do your research; talking to multiple banks or lenders may yield you a better deal, even with the builder’s incentive. “Consider alternate sources to find a lender,” said The Balance. “Your own bank or credit union might offer you very attractive rates and terms, based on your banking history with that institution. Your agent may refer you to his or her private list of wholesale lenders.

HOA fee and taxes

High HOA fees and/or taxes like Mello-Roos can be a deterrent to buying in certain communities or areas. Builders have been known to cover these taxes and fees for a certain period of time to attract buyers.

Move-in ready home

Oftentimes, builders move forward on the construction of homes before the lots have been purchased. Buying one of these newly-built homes can benefit homebuyers in many ways.

Eliminates the construction wait—This may not necessarily translate to a discount for everyone, although it could for those who have construction delays that create the need for temporary housing or material issues that pump up costs. The best part is simply being able to move right in to a home that’s brand-new!
No need to choose all the features and finishes—If you’re the type who can’t imagine having to make so many decisions, this may be a great option for you.
Upgrades included—Move-in ready homes often include upgrade like nice flooring and countertops. These homes are also more likely to be discounted because builders need to get standing inventory off their books.

source: https://realtytimes.com/headlines/item/1023776-7-ways-to-save-money-on-new-construction?rtmpage=null