Home loan from the builders recommended ?

I am looking at a new home constructions and the builder is D.R.Horton Chicago. They say that if we buy homes from one of there communities and take the home loan from there own financing affliate(DHI Mortgage), then they will give 20-30K off the list price.

I checked with the listing agent and they said approximate rate is 4.75% with them.

1) Is it always good to get a home loan from there recommended mortgage, so we can get the 20-30K OFF the list price ?

2) Lets say if another lender XYZ is giving 4.75% and this same builders lender(DHI) is giving for 4.75% then is it worth going with the DHI as we will be getting the 20-30K OFF the list price of the home we are buying ?

3) Is there any catch in the offer ?

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