The two specials Jeff designates by lot (SOP §2.1), priced at every lock period. Costs are points on the loan; anything over 6.000 exceeds the FHA seller-paid maximum and needs a forward commitment or the cost-center surplus (SOP §11.5). "Good through" is today plus the lock.

Pick a program, rate special and lock term — each bar is that day’s cost. A red bar ▲ means the cost rose from the prior capture; a green bar ▼ means it fell. History is seeded from every rate refresh since Aug 3 and grows one point per weekday refresh.

Mortgage-specific incentives other builders are advertising near each SFH community — rate specials, buydowns, closing-cost money — fine print read so expired offers are excluded. Results are the latest scan; ask for a fresh one before Jeff’s monthly Sales Goal email.

For Jeff and sales leadership weighing what special to run: pick a market, community, and quick move-in home from smithfamilyhomes.com, then a rate off the sheet, a lock period, and any seller-paid closing costs. Buyer payment and cash to close on the left — Smith Family Homes’ actual dollar cost of the incentive on the right, with the 6% check built in.

Short-form or complete-package disclosure text for a promo, from the same verified APR engine the desk uses. Georgia and South Carolina licensing legends, identifiers, and retention rules are built in (state audit 9/18/2026) — nothing routes to the desk.