Book a Free 15-Minute Call | Ryan Moxley
⚠ Builder Rate Buydowns to 3.99% — Limited inventory. This offer won't last past year-end.
Top 1% REALTOR® • New Build Specialist • Phoenix Metro

Let's Find Your Perfect Phoenix Home —
Book a Free 15-Minute Call

Skip the search. Ryan pulls the listings, negotiates the builder contracts, and protects your interests — at zero cost to you. Rate buydowns to 3.99% available right now on select communities.

No cost to buyers
No pressure, no obligation
40+ new builds in 2026
15 minutes, real answers
Ryan Moxley, Phoenix AZ REALTOR® and new construction specialist
Ryan Moxley
REALTOR® • My Home Group
ADRE SA643872000
📞 (480) 227-9143
Top 1%
Nationally ranked agent
40+
New builds closed 2026
$0
Cost to buyers — ever
4.9
Average client rating

Three Reasons Buyers Choose Ryan
for Their New Build

Phoenix's new construction market moves fast. Builders have sales agents whose job is to protect the builder's interests — not yours. Here's what Ryan brings to the table.

📈

Builder Rate Buydowns to 3.99%

Major Phoenix builders are permanently buying down mortgage rates to move year-end inventory. On a $450,000 home, a rate drop from 6.75% to 3.99% translates to roughly $600 less per month — or $216,000 in savings over 30 years.

These are real, permanent buydowns tied to the purchase contract — not teaser rates or adjustable gimmicks. Ryan knows which builders are offering the strongest packages right now and which ones are bluffing.

~$600/mo savings on $450K
🎯

Free to You — Builders Pay Ryan's Commission

You get a licensed agent negotiating upgrades, reviewing the builder contract line by line, overseeing inspections, coordinating your walkthrough punch list, and protecting your interests all the way to closing — at absolutely no cost.

Builders pay the buyer's agent commission 100%. Walking in without an agent doesn't save you money — it just gives the builder's sales rep an easier negotiation. You're leaving thousands on the table without representation.

$0 cost — builders pay the fee
🏢

40+ New Build Transactions in 2026

Ryan knows the Phoenix new construction market from the inside. He knows which builders deliver on time, which ones have quality control issues, which communities have CFD/SID assessments buried in the fine print, and which floor plans hold their value.

That's insider knowledge that comes from closing over 40 new build transactions this year alone — in Norterra, Gilbert, Queen Creek, Chandler, Goodyear, Buckeye, and across the entire Phoenix metro.

Active in 15+ Phoenix communities

What Happens After You Book

Four steps from booking to keys. Ryan handles the heavy lifting — you make the decisions.

1

Book Your Call

Pick a 15-minute slot below. No forms. No deposit. Just pick a time that works.

2

Ryan Pulls Your Options

Before your call, Ryan identifies active inventory, available incentives, and buydown options that match your budget and area preferences.

3

Tour & Negotiate

Ryan accompanies you to model homes, reviews builder contracts, negotiates upgrades and rate buydowns, and ensures nothing is missed.

4

Close & Move In

Ryan oversees the build process, coordinates your final walkthrough, and makes sure closing is clean. Arizona is a dry-funding state — keys on closing day.

Pick a Time That Works for You

15-minute call • No pressure • Real answers about what's available right now

📅 Free Consultation ⏱ 15 Minutes 📞 No Obligation

Phoenix Buyers Who Let Ryan Negotiate for Them

Real results from real buyers across the Phoenix metro — Gilbert, Queen Creek, Scottsdale, North Phoenix, and Chandler.

Ryan saved us $45,000 on our new build by negotiating upgrades we didn't even know to ask for. The process was seamless — he knew every step before we even asked about it. I genuinely can't imagine going through this without him.

ST
Sarah T.
Gilbert, AZ
Verified

I was going to buy direct from the builder — figured it was simpler. Ryan showed me I was leaving $12,000 on the table in negotiable upgrades and rate incentives. Couldn't recommend him more strongly to anyone considering a new build.

ML
Marcus L.
Queen Creek, AZ
Verified

The 3.99% rate buydown alone saves us $580 a month. Ryan found it, explained every detail, and made it happen. My husband and I had no idea these kinds of builder incentives even existed. Ryan knew exactly which communities were offering them.

JR
Jennifer R.
Scottsdale, AZ
Verified

We toured 6 communities in one Saturday. Ryan knew every builder's reputation, timelines, known issues, and available incentives before we walked in the door. By the end of the day, we had a clear decision. Absolute game-changer of an agent.

DK
David & Kim M.
North Phoenix, AZ
Verified

Closing was smooth, no surprises. Ryan caught a contract error in the builder's purchase agreement that would have cost us thousands at closing. That one catch alone was worth more than any agent fee could ever be. Hire Ryan — it's a no-brainer.

AC
Ashley C.
Chandler, AZ
Verified

What a Builder's Sales Rep
Won't Tell You

Builder sales agents work for the builder. Their job is to maximize the builder's profit. Ryan's job is to maximize yours.

📋

CFD/SID Tax Assessments Hidden in Fine Print

Many Phoenix-area new communities carry Community Facilities District or Special Improvement District assessments of $500–$3,000+ per year on top of your mortgage. Ryan identifies these before you sign — not after.

🔍

Builder Contract Line-By-Line Review

Builder purchase agreements are written by the builder's attorneys. Ryan reviews every clause — especially warranty provisions, completion timelines, change order rights, and what happens if the builder delays.

🏗

Upgrade Negotiation & Incentive Stacking

Ryan knows which upgrades builders will negotiate on and which are firm. He also knows how to stack builder incentives (rate buydown + closing cost credits + free upgrades) to maximize your value.

📅

Walkthrough Punch List Oversight

The final walkthrough is your last chance to get issues documented before closing. Ryan accompanies every client to ensure the punch list is comprehensive and that the builder resolves every item in writing.

Arizona Dry-Funding State — Closing Day = Keys Day

In Arizona, closing, recording, and key transfer all happen the same day. Ryan coordinates every party to make sure there are no last-minute delays. You get your keys on closing day — period.

Active in These Phoenix Metro Communities

Norterra Corridor
North Phoenix
Gilbert
Queen Creek
Chandler
Mesa
Goodyear
Buckeye
Peoria
Surprise
Scottsdale
Tempe
Avondale
Laveen
Cave Creek
Fountain Hills

Ryan tracks active inventory, available incentives, and builder reputation across all Phoenix metro communities — updated weekly.

📞 Call or text: (480) 227-9143
🏢 License: ADRE SA643872000 • My Home Group
📅 Book Your Free Call

Arizona Real Estate — What Every
Phoenix Buyer Needs to Know

Arizona has unique real estate laws and transaction customs that differ significantly from other states. Ryan walks every client through these before signing anything.

📋

Arizona is a Non-Disclosure State

Sale prices in Arizona are not public record. Appraisers and agents rely on MLS data — not county records. This means online Zestimates and public databases are often significantly inaccurate. Real comps require MLS access. Ryan pulls them fresh for every client.

📅

Dry Funding State — Keys on Closing Day

In Arizona, closing, funding, and recording all happen the same day. Unlike California or other states where there's a gap between signing and recording, Arizona buyers get their keys on closing day — period. Ryan coordinates all parties to make sure nothing delays the disbursement timeline.

🔍

BINSR — The 10-Day Inspection Period

Arizona's Buyer's Inspection Notice and Seller's Response (BINSR) gives buyers a 10-day inspection period. After inspection, the buyer can request repairs, accept the property as-is, or cancel. The seller has 5 days to respond. Ryan ensures inspections are thorough and BINSR requests are strategic — not just a checklist item.

🏠

Homestead Exemption — Up to $400K Protected

ARS §33-1101 protects up to $400,000 of equity in your Arizona primary residence from unsecured creditors. This is one of the strongest homestead protections in the western United States, and a significant financial benefit for buyers establishing Arizona as their primary residence.

📈

CFD/SID Assessments on New Construction

Community Facilities Districts (CFDs) and Special Improvement Districts (SIDs) are taxing mechanisms used to fund infrastructure in new communities — roads, utilities, parks. They're authorized under ARS Title 48 and can add $500–$3,000+ per year to your effective housing cost. Ryan identifies all CFD/SID obligations before you sign — not after.

Arizona-Specific Inspection Items

Arizona inspectors look for items unique to the desert: post-tension slabs (never drill, cannot be cut), caliche soil layers that affect excavation cost, stucco water intrusion at penetrations, R-22 refrigerant in older HVAC units (phased out January 2020), and Zinsco/Federal Pacific electrical panels. Ryan briefs buyers on all of these before the inspection — not during.

Relocating from Out of State?

If you're moving from California, Texas, Illinois, or another state, Arizona's transaction process will feel different. Ryan works with a significant number of relocating buyers — TSMC engineers, remote workers, retirees — and takes the time to explain every step. Arizona's 2.5% flat income tax, no estate tax, and Social Security exemption also make it one of the most tax-favorable states for homeowners. Ask Ryan about the full picture on your call.

📞 Book a Free Call

Frequently Asked Questions

Everything you need to know before booking your call.

Nothing. Builders pay the buyer's agent commission 100%. You get full professional representation — contract review, negotiation, inspection oversight, upgrade coordination, punch list management, and closing support — at zero cost to you. Walking in without an agent doesn't save you money. It just removes the person who's supposed to be fighting for your interests.
Ryan is actively working in the North Phoenix Norterra corridor (near TSMC and the new TSMC Fab 21 campus), Gilbert, Queen Creek, Chandler, Goodyear, Buckeye, and all East and West Valley communities. He tracks builder inventory, available incentives, CFD/SID assessments, and builder quality across the entire Phoenix metro — updated weekly. If you have a specific community in mind, mention it on the call and Ryan will have the current data ready.
Yes. Major Phoenix builders are currently offering permanently bought-down mortgage rates — as low as 3.99% — to move inventory before year-end. This is a genuine builder incentive paid at closing, embedded in the purchase contract. It's not a teaser rate, not an ARM, and not a lender promotion with strings attached. On a $450,000 purchase, the difference between 6.75% and 3.99% is approximately $600 per month — or over $200,000 across a 30-year loan. Ryan will show you which builders are offering the strongest packages right now.
Ryan will ask about your timeline, budget, preferred area, and must-haves — then pull active inventory and available builder incentives that match your situation. You'll leave the call knowing exactly what's available, what rate buydowns apply to your price range, and what your realistic next step is. No pressure. No obligation. No sales pitch. If Ryan can't help you, he'll tell you that too.
Absolutely. The 15-minute call is about finding the right home for you — new build or resale. Ryan works all segments of the Phoenix metro market and will give you an honest, side-by-side comparison of both options for your specific situation. In some cases, resale is the better move — Ryan will tell you that if it's true. He'd rather give you the right advice than close the wrong deal.

Phoenix Builder Landscape — 2026

Ryan has closed transactions with all major Phoenix builders. Here's the landscape. On your call, he'll give you the current intel on incentives, timelines, and which communities have the strongest value.

Builder Active Phoenix Markets Price Range Rate Buydown Available Known For
Taylor Morrison Norterra, Scottsdale, Gilbert, Queen Creek $420K – $900K+ ✓ Yes Design quality, flex floor plans, strong HOA communities
Meritage Homes Goodyear, Buckeye, Queen Creek, Chandler $350K – $700K ✓ Yes Energy efficiency, spray foam insulation, low utility costs
Pulte Homes North Phoenix, Gilbert, Peoria $380K – $750K ✓ Yes Life-tested floor plans, strong resale value
Lennar Buckeye, Surprise, Laveen, Mesa $310K – $600K ✓ Yes Everything's Included® package, fast closings
D.R. Horton Valley-wide — highest volume $280K – $550K ✓ Yes Affordability, quick move-in homes, large lot availability
Toll Brothers North Scottsdale, Paradise Valley, Fountain Hills $700K – $2M+ Limited Luxury finishes, large lots, gated communities
Shea Homes Scottsdale, Gilbert, Chandler $450K – $950K ✓ Yes Architectural detail, active adult communities, Trilogy brand

* Builder incentives, pricing, and rate buydown availability change frequently. Call Ryan for current data: (480) 227-9143

Why Serious Buyers Are Acting Now

Phoenix's new construction market is in a specific window right now. Here's what Ryan sees on the ground every week.

🏫

TSMC Fab 21 Is Hiring 10,000+ Workers

Taiwan Semiconductor Manufacturing Company's $65 billion Fab 21 facility in the North Phoenix Deer Valley corridor is now operational on Phase 1 (4nm/3nm chips), with Phase 2 (2nm) under construction. This is driving massive demand for housing in the Norterra corridor and surrounding communities. Engineers relocating from Taiwan, Austin, and the Bay Area are actively buying right now — and inventory is shrinking in these ZIPs.

💰

Builder Rate Buydowns Won't Last Past Year-End

The current buydown offers — including rates as low as 3.99% permanently — are builders burning cash to hit their year-end close numbers. Once their fiscal year closes and inventory stabilizes, these incentives disappear. Ryan has watched this pattern across multiple cycles. The buyers who act during the incentive window lock in the savings permanently. The buyers who wait get standard market rates.

🏠

2026 Conforming Loan Limit: $806,500

The conforming loan limit in Maricopa and Pinal counties for 2026 is $806,500 — meaning conventional financing is available at competitive rates for most Phoenix new build price points. Buyers can access strong financing without jumbo loan requirements on all but the highest-end properties. Ryan will connect you with preferred lenders who understand builder timelines and extended rate lock options.

📈

East & West Valley Land Auctions Are Accelerating

The Arizona State Land Department (ASLD) has been auctioning state trust land at an accelerating pace, fueling new community development in Buckeye, Queen Creek, Maricopa, and the I-10 corridor. Communities being platted today will have strong infrastructure and school investment behind them. Ryan tracks upcoming ASLD auctions and new community announcements so buyers can position ahead of price appreciation.

Bottom line: the window is open, but it's closing.

Fifteen minutes with Ryan won't commit you to anything. It will show you exactly what's available, what the real costs are, and whether now is the right time for your situation.

Book Your Free Call →

Exactly What Ryan Will Cover
in 15 Minutes

This isn't a discovery call where someone qualifies you and passes you to a sales rep. Ryan handles the entire process himself, and the 15 minutes is a working session.

1
Your situation — budget, timeline, must-haves
Ryan asks the right questions to understand what you actually need — not just what you think you want.
2
Active inventory that matches your criteria
Ryan pulls real-time data before the call. You'll hear about specific communities and floor plans, not generalities.
3
Available incentives for your price range
Rate buydowns, closing cost credits, free upgrades — what's actually available right now, not what the builder website says.
4
Your realistic next step
Whether that's touring next weekend, getting pre-approved, or waiting 90 days — Ryan gives you a clear recommendation based on your actual situation.
Do I need to be pre-approved first?
No. Many buyers come to Ryan before they've started the financing process. He can recommend lenders who specialize in builder loans and extended rate locks — and knowing your options first helps you get pre-approved for the right amount.
What if I'm not ready to buy for 6 months?
That's actually a great time to call. Some new build communities have 6-to-9-month build timelines — meaning if you buy now, you close when you're ready. Ryan can identify spec homes, quick move-ins, and future delivery options that match your timeline.
What if I need to sell my current home first?
Ryan handles both. He'll give you an honest assessment of your current home's value and market timing, and build a strategy that coordinates the sale and purchase so you're not carrying two mortgages or left without a home to move into.
I already visited a builder. Can Ryan still help?
Yes — as long as you haven't signed anything yet. Builder sales agents will ask on your first visit if you're working with a REALTOR®. If you said no, call Ryan immediately. In most cases there's still a path to getting representation before any contract is signed.

Ready to Find Your Home?
Let's Talk — It's Free.

Book your 15-minute call above, or reach out directly. Ryan responds to calls and texts the same day. No gatekeepers, no assistants — you get Ryan.

No cost to buyers — ever
No pressure, no obligation
Licensed REALTOR® — ADRE SA643872000
Top 1% nationally — My Home Group
4.9★ average client rating