Forget free kitchen upgrades, tropical vacations or complimentary closing costs. The latest marketing efforts from home builders centre around financing, with rock-bottom mortgage rates, delayed payments and mortgage insurance for job losses.

It's the newest batch of offers from an industry limping through the worst downturn in decades and gearing up for what's set to be an abysmal spring selling season. Builders know cash is essential to pay the bills and survive, so they're trying anything to make a sale, even if it further stresses margins as cash flow concerns mount.

Wall Street Journal