BUYER SAVINGS YOU CAN SEE ON DAY ONE
FREE BUILDER BUYDOWN = LOWER PAYMENTS IMMEDIATELY
Purchase Price: $609,888 | 10% Down | Loan ≈ $548,899
Imagine moving into a MOVE-IN READY NOW brand-new home and paying HUNDREDS LESS PER MONTH right from the start. Thanks to incredible incentives from Gemcraft Homes and their preferred lender, buyers can take advantage of a FREE 2/1 interest rate buydown, dropping your payment to approximately $2,580/month in Year 1, around $2,905/month in Year 2, and then returning to the standard payment near the low $3,400s thereafter. That's $500–$800+ LESS PER MONTH upfront, equaling THOUSANDS in savings when you need it most. Prefer a simpler structure? The 1:1 buydown still lowers your first-year payment to roughly $2,900/month.
Seller-provided concessions, if offered, may be applied toward an interest rate buydown or eligible buyer closing costs, providing flexible options for buyers.
And that's not all — Gemcraft Homes is also contributing 1.5% of the loan amount PLUS an additional 1% from Envoy Mortgage toward your closing costs, transfers, escrows, or even more rate reduction — nearly $15,000–$16,000 back in your pocket. This is real, tangible money that makes owning this home dramatically more affordable.
Now let's talk about what you're actually getting — because 1205 Van Bibber Road is something truly special. This MOVE-IN READY, COMPLETED NEW CONSTRUCTION home showcases the beautiful Raleigh floor plan, offering 2,653 finished square feet above grade, 4 spacious bedrooms, 2.5 baths, an unfinished basement ready for future equity, and a side-entry 2-car garage, all perfectly positioned on a WHOPPING 2-ACRE HOMESITE. And yes… NO HOA. That combination — new construction, two full acres, and no restrictions — is incredibly rare and nearly impossible to find at this price point. It delivers the kind of space and privacy most buyers only dream about: room to spread out, entertain, relax, and truly enjoy your property without feeling boxed in by neighbors.
The Raleigh layout is bright, open, and designed for today's lifestyle, with effortless flow between the kitchen, dining, and living spaces. The finishes feel elevated and timeless, giving you that model-home look without the expensive upgrade price tag. You'll love the inclusion of trusted, nationally recognized brands throughout, including GE appliances, Merillat cabinetry, Moen plumbing fixtures, PlyGem Low-E energy-efficient windows, and Goodman HVAC equipment — all selected for durability, efficiency, and long-term performance. These aren't builder-grade afterthoughts; they're quality features that add real value.
And because this is a Gemcraft home, you're buying more than beauty — you're buying peace of mind. Every home comes backed by a 1-year workmanship warranty, 2-year mechanical systems warranty, and an impressive 10-year structural warranty. That means fewer surprises, fewer repair costs, and true confidence knowing everything is brand new and protected. Resale homes simply cannot compete with that level of security.
Add it all up — two private acres, no HOA, immediate move-in, a stunning Raleigh floor plan, luxury finishes, trusted brand materials, comprehensive warranties, AND massive financial incentives that lower your payment from day one — and it's easy to see why this is one of the smartest values in Harford County right now. This isn't just another house. It's space, lifestyle, savings, and long-term value all in one. Opportunities like this don't come around often, and homes with this much land, this much quality, and this much financial advantage don't stay available for long.