Every finished, move-in-ready Garbett home comes with a flat $15,000 Any Way incentive.* Lower your rate, cover your closing costs, or add value to your home — your money, your call.
$15,000 toward your new home. Spend it any way you want.
$15,000
flat Any Way incentive on every eligible finished home
3 Ways
to use it — rate buydown, closing costs, or added home value
~$210/mo
lower payment if applied as a rate buydown
Sept. 30th
contract deadline — while eligible inventory lasts
Three smart ways buyers use their $15,000
Unlike a one-size-fits-all discount, the Any Way incentive flexes to your situation. Most buyers pick one of these three — you can also put it toward prepaid mortgage or HOA dues.
Buy down your interest rate
Apply the full $15,000 toward discount points and drop an illustrative 6.49% market rate to about 5.865%.
~$210/mo lower payment≈ $75,600 over a 30-year loan*
Cover your closing costs
Buyer closing costs typically run 2–3% of the price — $13,000–$19,500 on a $650K home. The incentive can cover essentially all of them.
Keep your cash at signingUtah buyer closing costs avg ≈2.3% of price*
Add value to your home
Appliances, blinds, fencing — have Garbett take care of things you'd otherwise pay for after closing. Instant savings, delivered with your home.
$15,000 in move-in extrascovered before you get the keys — not after*
HOW TO CLAIM IT
Eligible homes are move-in ready now
The $15,000 Any Way incentive applies to finished quick move-in homes across our Salt Lake Valley communities. Tell us what you're looking for and we'll send you the current eligible list with pricing — no pressure, no obligation.
- Finished inventory in Axis, The Gallery at Bullion, Waterstone, The Mill, Bishop Place, and Urban (excludes The Pointe)
- New purchase contracts signed on or before September 30, 2026
- Mention the Any Way incentive at registration or contract — that's it
CLAIM THE $15,000 ANY WAY INCENTIVE
See which homes qualify
Tell us where to send the eligible quick move-in list — a Garbett specialist will follow up with current availability and pricing
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Mortgages through Marylee Gilchrist. Get Approved Today.
Marylee Gilchrist NMLS #242466 · Branch NMLS #2747791 · CrossCountry Mortgage, LLC, Company NMLS #3029 · 6925 Union Park Center, Suite 120, Cottonwood Heights, UT 84047 · Equal Housing Opportunity
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INCENTIVE TERMS & IMPORTANT DISCLOSURES
$15,000 Any Way incentive available on select finished inventory homes in all Garbett Homes communities except The Pointe. Buyer must enter a new purchase contract on or before September 30, 2026. Available on new purchase contracts only; cannot be combined with other offers. Incentive must be mentioned at time of registration or contract. Any applicable prepaids must be paid by the buyer. Offer subject to change at any time without notice or obligation. Other stipulations may apply — speak with a Garbett sales associate for details.
Buyer is not required to finance through CrossCountry Mortgage, LLC to purchase a Garbett home and may obtain financing through a lender of buyer's choice. Incentive available only to eligible buyers who finance and close their purchase loan with CrossCountry Mortgage, LLC. Subject to loan approval, underwriting requirements, program guidelines, and applicable loan limits.
Any rate shown is an illustrative, user-adjustable estimate — not an Annual Percentage Rate (APR) and not an advertised or guaranteed rate — assuming incentive dollars are applied toward a permanent rate buydown at an estimated one discount point per 0.25% rate reduction. Baseline scenario: $650,000 purchase price, 20% down, 30-year fixed-rate loan, owner-occupied primary residence, 740+ credit score. APR will be higher and includes fees and other costs; a complete loan scenario is required for an APR quote. Monthly savings figures are modeled estimates comparing total cost of ownership (principal & interest, PMI when applicable, taxes & HOA, insurance, utilities, maintenance) using Salt Lake County averages; actual costs vary.
Market rate of 6.49% shown for a 30-year fixed-rate loan, week of July 9, 2026, for baseline comparison, per the Freddie Mac Primary Mortgage Market Survey. Closing-cost figures are illustrative: buyer closing costs in Utah average approximately 2.3% of purchase price (Rocket Mortgage, 2026) and typically range 2–3%; actual costs are itemized on your Loan Estimate and vary by loan type, lender fees, and prepaids. Add-value examples (appliances, blinds, fencing) show typical Salt Lake area price ranges for illustration only; actual items, availability, and values are selected with a Garbett sales associate and documented in the purchase contract. Purchase price reductions may be available on select homes atGarbett Homes's sole discretion — ask a sales associate. The incentive amount is fixed at $15,000 regardless of how it is applied; monthly and 30-year outcomes differ by use and by individual loan scenario.
Mortgage financing through CrossCountry Mortgage, LLC, Marylee Gilchrist NMLS #242466 · Branch NMLS #2747791 · Company NMLS #3029, an independent lender. Garbett Homes is not a mortgage lender and does not offer financing. Equal Housing Opportunity. Garbett Homes is a licensed homebuilder in Utah.