Rate Protection Plan

Although mortgage interest rates are still at historic lows, they have crept up over the last twelve months. While no one can be certain how much they go up in the future, most experts believe that we can expect rates to continue to rise.  So you may be wondering how much rates will rise this year and can I still afford to buy a home with higher rates.  The truth is that no one knows for sure, but the concern over rising rates can cause unnecessary anxiety while building your new home. This is why we created the Ryder Rate Protection Plan. 

With our gift of up to $10,000 you’re able to buy-down and lock-in your interest rate while your new home is being built.  In addition to our gift, we’ll also reduce your deposit by the same amount as your loan lock deposit, which means no additional upfront expense for you.  And, if that wasn’t enough, you can also do a "float down" on your interest rates if rates drop. 

Here's a summary:

  • New Ryder homebuyers will receive a gift for us of up to $10K.

  • The $10K can be used to buy-down and lock-in your interest rate while we build your new home.

  • To avoid any additional upfront expenses, we'll also reduce your Earnest Money Deposit by the same amount as the lender's loan lock deposit required to lock-in your rate.

    • PLEASE NOTE: The loan lock deposit is credited back to you when you close escrow.
  • "Float down" your locked rate if rates drop!
  • Homebuyers must finance their purchase using our Preferred Lender.

  • This offer is valid for purchases of new Ryder homes through February 28, 2019.


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1,328 - 2,192 Sq. Ft.
Hamilton Cottages
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3 - 4 Beds
2.5 - 3.5 Baths
1,601 - 2,542 Sq. Ft.
Reno, NV 89511