New Home Advantage Realty, LLC
Licensed Florida Brokerage
CQ1075049
The Rent Swap · For VA-eligible buyers near Pensacola

Veterans: $1,806 a month.
Rent nearby runs about $1,900.
Only one of them ends with you owning it.

A brand-new 4-bedroom on the VA benefit you earned. The property taxes, the insurance and the neighborhood fee are already inside that number. Tell me your rent and your zip. Within 24 hours you get one text with a real address and the whole monthly payment on it.

Text me an address

No credit pull. No lender call. No tour.

Brand-new single-story 4-bedroom home near Pensacola
New construction near Pensacola East. Photos are representational only.

VA $0 down, 4.99% (5.697% APR), 30-year fixed, for qualified buyers. Rate is a builder incentive through DHI Mortgage Company, Ltd., NMLS #14622, available on select homes and subject to change without notice; the rate and the loan portion are fixed for 30 years, while taxes, insurance and HOA can change. New Home Advantage Realty, LLC. Equal Housing Opportunity. Equal Housing Lender. VA entitlement required.

The receipt

You do not have to believe me. Here is the whole payment, line by line.

This one is run on the $269,900 home. Yours gets run the same way, on a specific address, against your own rent.

A brand-new 4-bed near Pensacola East$269,900
What you bring to closing VA, on select homes. The deposit below is why it can be zero. $0
Deposit about $1,000, and it is credited back to you at closing $1,000
The monthly, and what is inside it
Loan payment$1,478.35
Property taxes (estimated)$220
Insurance (estimated)$70
The neighborhood fee / HOA (estimated)$38
Monthly mortgage insurance VA does not charge it. On most low-down loans this line quietly adds a couple hundred a month. $0
Total, every month$1,806.35
Rent on an older 3-bedroom nearbyabout $1,900
Why this number is possibleThe builder is paying to bring the rate down under the market, and VA charges no monthly mortgage insurance. That is the whole trick, and neither part is a trick.

Not every house hits this number and not every person qualifies.

Figures are estimates for a $269,900 new-construction home near Pensacola East: $0 down, 30-year fixed VA at 4.99% (5.697% APR), principal and interest $1,478.35, with taxes, insurance and the neighborhood fee estimated until quoted on a specific address. Figures vary by home and can change. The builder resets the incentive every week, so this week's numbers are this week's. The rate is a builder incentive through DHI Mortgage Company, Ltd., NMLS #14622; full comparison to the market rate is in the rate section below.

Open kitchen and living room in the new-construction home
The kitchen in the receipt home. Nobody has ever lived here.
Primary bedroom in the new-construction home
The primary bedroom in the same home.

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This week's lineup

Four price points. Same $0 down, same rate.

All brand-new builds near Pensacola East on the same VA terms. Tap the one that fits your number and the text you get runs that range first.

Running the $269,900 range first.

Payment examples on select new-construction homes for qualified buyers: $1,589/mo on a $239,900 home, $1,806/mo on a $269,900 home, $1,950/mo on a $292,900 home, $2,150/mo on a $322,900 home; each VA $0 down, 30-year fixed at 4.99% (5.697% APR), including estimated taxes, insurance and HOA dues. Your actual rate, payment, and costs could be higher. Rate is a builder incentive through DHI Mortgage Company, Ltd., NMLS #14622, available on select homes and subject to change without notice. Photos are representational only. New Home Advantage Realty, LLC. Equal Housing Opportunity. Equal Housing Lender. VA entitlement required.

The rate, and where it is going

4.99% (5.697% APR) this week. The market is at about 6.297%.

This week, select homes
4.99% (5.697% APR)
a builder incentive, not a market rate
Market VA today
about 6.297%
Optimal Blue 30-yr fixed index, obs. 8/15/2026
The gap, in dollars
about $228/mo
on the $269,900 receipt home. About $2,700 a year.

About next week, since I am not going to invent a deadline: there is no countdown. The incentive resets every week. Some weeks the builder moves the rate. Some weeks it is money toward your closing costs instead. And the homes it applies to turn over as they sell. What I can quote you this week is genuinely not what I could quote two weeks ago, and I have no idea what next week looks like until it gets here.

Which is why this is worth ten seconds now rather than in the spring.

Gap comparison uses the receipt example: $1,478.35/mo principal and interest at 4.99% (5.697% APR) versus about $1,706/mo for the same loan amount at the 6.297% market rate, a difference of about $228/mo. Estimates only. VA $0 down, 4.99% (5.697% APR), 30-year fixed, for qualified buyers. Rate is a builder incentive through DHI Mortgage Company, Ltd., NMLS #14622, available on select homes and subject to change without notice, and is not available on outside financing. New Home Advantage Realty, LLC. Equal Housing Opportunity. Equal Housing Lender. VA entitlement required.

Not every house hits that number and not every person qualifies. I will tell you straight which one you are.

On credit: the VA sets no minimum score. Lenders typically look for about 580 to 600. If you are not there yet, I will say that too.

Step 1 of 2

Get your address

Five answers. They are the inputs I need to run yours, not a quiz. Takes about 30 seconds.

The One-Text Rule
One message back, with a real address and what it costs a month. If it does not beat your rent, I will say so and you will not hear from me again.
One person runs every one of these. Not a queue.
Your address arrives by text, so this is the delivery address. We only run verified numbers: a 6-digit code confirms yours first.

One text back. Usually a few hours. Always inside 24.

VA entitlement required. Not VA-eligible? This financing will not apply to you, so save your 30 seconds.

Check us before you text us. New Home Advantage Realty, LLC is a Florida brokerage you can look up: license CQ1075049 at myfloridalicense.com. The rate comes from a licensed lender you can look up too: DHI Mortgage Company, Ltd., NMLS #14622 at nmlsconsumeraccess.org.

Text me the address