Wander by Oakwood Homes · Saratoga Springs
New homes from $309,990
New homes from $309,990, in the builder’s own numbers. Models at 176 S Riverside Dr, Saratoga Springs.
Builder's numbers as of October 28, 2026, verified by Jeff
What the sheet says
Wander is Oakwood Homes’ master-planned community on the west side of Saratoga Springs, with five collections from twin homes to single family. This page is the builder’s price sheet, translated: what each collection starts at, what the incentives actually are, and what the 2.99% on the sign really means.
I pull these numbers from the builder’s sheet, date them, and update them when they change. Before you write an offer, I verify everything on the specific lot.
The collections
Arrival
Twin homes · 2–4 bed · 920–1,720 sq ft
from $309,990
$10,000 toward closing plus the Move-In Package. Closings Feb–May 2027; 12 already sold.
Ascent
Twin homes, full driveway · 3–4 bed
from $389,990up to $409,990
$15,000 toward closing plus the Move-In Package (washer, dryer, fridge, blinds).
American Dream
Single family · 2–3 bed
from $359,990
3 bed Albright from $399,990. $20,000 toward closing on select lots.
Coach House
Single family, shared cul-de-sac · 3–4 bed
from $419,990
Up to $25,000 toward closing or design on select lots.
Porchlight
Single family · 3–4 bed
from $449,990
2.99% start rate, 5.49% fixed FHA, or $20,000 toward closing, by lot.
The rate on the sign
2.99 → 3.99 → 4.99% on FHA
The 2.99% is a 2-1 buydown, not a 30-year rate: 2.99% in year one, 3.99% in year two, then the note rate of 4.99% from year three on. Conventional runs 3.99, 4.99, then 5.99. It is builder-paid, temporary, on select homes, and only through the builder’s lender, Silverton Mortgage. Price the house twice, once with the builder’s lender and incentives and once outside, and compare the year-three payment. The builder’s offer often wins; you just want to know for sure.
Ready now
Albright, 3 bed, lot 295
$424,990, 2.99% start rate
Percheron, 3 bed, lot 333
$419,990, 2.99% start rate
What the payment could look like
Three homes from the builder's sheet, FHA with 3.5% down. Estimates only, round numbers.
Arrival · Wayfarer
Lot 173 · 2 bed, 2 bath · 920 sq ft · closing May 2027
$309,990 · about $10,850 down
$10,000 toward closing costs
~$2,100 /mo
At an assumed 5.49% fixed FHA. Principal and interest about $1,730.
American Dream · Albright
Lot 370 · 3 bed · closing November 2026
$399,990 · about $14,000 down
$20,000 toward closing costs
~$2,690 /mo
At an assumed 5.49% fixed FHA. Principal and interest about $2,230.
American Dream · Albright
Lot 295 · 3 bed · move in now
$424,990 · about $14,880 down
2.99% start rate with Silverton
~$2,240 /mo year one
Year 2 at 3.99%: ~$2,470. Year 3 on at 4.99%: ~$2,720.
What's in the monthly number. Principal and interest on a 30-year FHA loan, 3.5% down, with the 1.75% upfront mortgage insurance added to the loan. Monthly FHA mortgage insurance at 0.55% a year. Property tax estimated at 0.58% of the price a year. Homeowners insurance about $90 a month. HOA dues are not included; they were not in the builder’s packet. Closing costs and prepaids are extra; the builder credit may cover most of them. The 5.49% is an assumption for illustration; Oakwood shows it as a fixed FHA option on some lots.
Want it run on a specific home?
Tell me the lot or the plan and I'll price it twice, with the builder's lender and without, so you know which deal is actually better. Or walk the models with me.
Text me: 801.678.3337
Not a loan offer or commitment. Jeff Daniels and SURV Real Estate are not a lender; get a Loan Estimate from a licensed mortgage lender. Prices, incentives and closing dates are from Oakwood Homes’ sheet dated above and subject to change without notice. Incentives require the builder’s preferred lender, terms apply, ask a New Home Counselor. HOA not shown, ask before you write.