Many of my clients ask me-where can I find a deal?  Although the rest of the nation has seen markets decline, we have held steady on pricing.  That doesn’t mean that there aren’t opportunities out there.  One of the ways to get a home below market pricing is to buy a builder spec, or inventory home.  These are homes that are with begun with no particular buyer in mind, or if a sale falls through the home will go back on the market.  The day a home is finished the builder starts to eat away at their profit.  They have speculated on a sale prior to or very soon after the homes completion, and they are motivated to get the home sold at this point in the time line.  Builders will offer financing incentives, incentives for free upgrades at the design center, or just flat out discounts on the price.  They will also offer bonuses to buyers brokers who bring a qualified buyer.  As long as the builder doesn’t offer these "deals" on too many homes in the neighborhood, the average prices will stay up where everyone else bought and the buyer of the spec home will have effectively bought a home with instant equity.