Fixed rate of 4.99% (APR 5.35%) and up to $10,000 in closing costs on select quick move-in homes
Community offer on select quick move-in homes. Full terms are available from the builder.
Where: Collin Creek
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Filmed by Albert Angarita · Mustang Lakes, Celina
Builder incentives tracker
Every builder deal, in one place.
Rate buydowns, closing cost credits and price cuts from 24 builders across North Texas, each linked to the builder's own page and dated. Checked October 20, 2026.
Call or text 469-285-9301 · same-day response
Fixed rate of 4.99% and up to $10,000 toward closing costs on select quick move-in homes
Community offer on select quick move-in homes. Full terms are available from the builder.
Where: Century Farms
Ask Miguel about this →Fixed rate of 5.99% and up to $10,000 toward closing costs on select quick move-in homes
Community offer on select quick move-in homes. Full terms are available from the builder.
Where: Coyote Meadows, Legacy Hills
Ask Miguel about this →Fixed rates as low as 5.99% (APR 6.20%) and up to $10,000 in closing costs on select quick move-in homes
Community offer on select quick move-in homes. Full terms are available from the builder.
Where: Aster Park
Ask Miguel about this →4.99% (6.619% APR) starting rate on select quick move-in homes in Dallas-Fort Worth
This is an FHA 5/1 adjustable rate mortgage: rate fixed for the first 5 years, then adjusts yearly (cap 1% per adjustment, 5% lifetime). Available only through Cardinal Financial from a limited pool of funds. Contract between Oct 7 and Dec 7, 2026 and close by Dec 7, 2026. Owner-occupied only.
Where: Across DFW (select quick move-in homes)
Ask Miguel about this →The Way Home Sales Event: up to $75,000 in Flex Cash
New contracts written 8/27/2026 to 11/15/2026; select quick move-in homesites only; must use BRP Home Mortgage; incentive varies by lot.
Where: The Grove Frisco
Ask Miguel about this →3.99% introductory rate (6.306% APR) via a 2/1 buydown on a 5.99% 30-year conventional loan
Eligible inventory homes, newly written contracts, while funds last. Must use preferred lender Green Brick Mortgage for the rate. Example assumes 740 FICO and 10% down. Rate provided 10/16/2026.
Where: City Point, Twin Creeks Watters, Hazelwood (Frisco), Heritage Village, Midtown GP, Painted Tree Woodland District, Plano Gateway
Ask Miguel about this →$15,000 flex cash on select spec homes
Select spec (inventory) homes. Full terms are available from the builder.
Where: Ribbonwood
Ask Miguel about this →Rates as low as 4.875% on select inventory
Select inventory homes. Full terms are available from the builder.
Where: Select inventory homes
Ask Miguel about this →Sales event price reductions on move-in ready homes, up to $239K off on select homes (60+ DFW homes listed)
Discounts are per home and vary widely. Prices subject to change.
Ask Miguel about this →Interest rates as low as 5.49% (6.247% APR) on select quick move-in homes
Builder-paid forward commitment rate buydown. Must use Jet HomeLoans (Dream Finders Homes affiliate) to get the incentive. Example based on a 30-year FHA fixed loan, 640 FICO. Select communities and inventory only. Contracts written and closed by Nov 30, 2026.
Where: Across DFW (select communities and inventory)
Ask Miguel about this →Main Street Stars: up to $1,000 toward closing costs or up to $1,000 toward design options for military, veterans, law enforcement, firefighters, educators and healthcare workers
Works with any lender. Contract between Aug 12 and Dec 30, 2026, present proof of eligibility at contract. One per home purchase. Select Dallas North, Dallas South and DFW Central communities.
Where: Select Dallas North, Dallas South and DFW Central division communities
Ask Miguel about this →50th Anniversary Savings: up to $16,500 in financing incentives, plus the standard up to $3,500 toward closing and financing costs, for up to $20,000 total
Must finance with Priority Home Mortgage (builder affiliate). Credit can be used to lock or buy down the rate or reduce closing costs, within seller contribution limits. Purchase between Jan 1 and Dec 31, 2026. Present offer to the Sales Consultant before signing. Not valid with any other offer.
Where: Across DFW
Ask Miguel about this →New Employee Pricing: 7% of the base price in flex dollars on select homes, usable toward a price discount, design selections, options or financing incentives
Purchase between Jul 1 and Dec 31, 2026 on select DFW homes. Present offer before signing. Buyers who finance with Priority Home Mortgage may also qualify for a 5.99% fixed rate offer. Not valid with any other offer.
Where: Across DFW (select homes)
Ask Miguel about this →4.99% for 5 years on a 5/1 ARM (FHA 6.294% APR, VA 6.110% APR in examples) plus up to $10,000 toward closing costs and prepaids
Select DFW homes; closing cost credit requires financing through NorthStar Mortgage Advisors; owner-occupied; rate as of 10/9/2026, while commitment funds last.
Where: Parks at Foster Crossing
Ask Miguel about this →Up to $65,000 in promotional incentives on select build-to-order floor plans
Use toward structural options, Drees design center credit or financing. Must finance with First Equity Mortgage (Drees affiliate). Firm, non-contingent agreements accepted Oct 1 to Nov 22, 2026. Amount varies by plan. Not combinable.
Where: Quail Hollow (Rockwall)
Ask Miguel about this →Up to $35,000 in promotional incentives on select build-to-order floor plans
Use toward structural options, design center credit or financing. Must finance with First Equity Mortgage. Agreements accepted Oct 1 to Nov 22, 2026. Amount varies by plan. Not combinable.
Where: Hillstead (Lavon)
Ask Miguel about this →Up to $32,000 toward financing on select townhomes
Must finance with First Equity Mortgage. Agreements accepted Oct 1 to Nov 22, 2026; quick move-in townhomes must close by Dec 22, 2026. Amount varies by plan.
Where: Ridgeline Towns
Ask Miguel about this →Rate buydown as low as 3.99% (5/1 ARM) OR up to $15K flex cash, plus zero down and no interest for the first 3 monthly payments
Choose either a rate buydown or flex cash (not both). Promotional rate is a 5/1 ARM. Select inventory homes only, financing with the preferred lender required. Offers vary by community and can change without notice. No-interest offer is through CrossCountry Mortgage; buyer still pays principal, taxes, insurance, PMI and HOA.
Where: Spiritas Ranch, Valencia on the Lake
Ask Miguel about this →Rate buydown as low as 3.99% (5/1 ARM) OR up to $15K flex cash
Choose either a rate buydown or flex cash (not both). Promotional rate is a 5/1 ARM. Select inventory homes only, financing with the preferred lender required. Offers vary by community and can change without notice.
Where: Edgewood Creek
Ask Miguel about this →Rate buydown as low as 3.99% (5/1 ARM) OR up to $20K flex cash
Choose either a rate buydown or flex cash (not both). Promotional rate is a 5/1 ARM. Select inventory homes only, financing with the preferred lender required. Offers vary by community and can change without notice.
Where: Villages of Hurricane Creek
Ask Miguel about this →Up to $15K flex cash, plus zero down and no interest for the first 3 monthly payments
Select inventory homes, preferred lender required. No-interest offer through CrossCountry Mortgage; buyer still pays principal, taxes, insurance, PMI and HOA.
Ask Miguel about this →Reduced prices on select move-in-ready homes (e.g. Ten Mile Creek townhome listed was $433,685, now $349,900; Wildridge townhome was $432,461, now $359,900)
Specific listed homes only; prices change as homes sell.
Where: Ten Mile Creek, Wildridge
Ask Miguel about this →Lower first-year rate: 4.99% in year one, then 5.99% for years 2 to 30 (6.032% APR) on select inventory homes
Must finance with Highland HomeLoans. Select inventory (quick move-in) homes only. Must contract between Oct 7 and Nov 6, 2026 and close by Dec 4, 2026.
Where: Across DFW (select inventory homes)
Ask Miguel about this →Price reductions of up to $100,000 on select inventory homes (Fall Into Savings)
Limited-time price reductions on select inventory in Dallas-Fort Worth. Participating homes are not listed on the page; see a sales consultant.
Where: Across DFW (select inventory)
Ask Miguel about this →$20,000 incentive to buy down the interest rate, reduce closing costs, or put toward Design Center options ($15,000 if using an outside lender)
Offer available Oct 1 to Dec 31, 2026 on new builds and quick move-in homes. Full $20,000 requires the optional preferred lender incentive with Highland HomeLoans; $15,000 with other lenders. Offered through Highland Homes, Huntington's affiliate.
Where: Mustang Lakes. McCreary Meadows (Parker); Estates at Bristol Valley (Heath)
Ask Miguel about this →Up to 3% in Flex Cash plus an upgraded appliance package on select move-in ready homes (billed as an exclusive October offer)
Select move-in ready homes only. Full terms are available from the builder.
Where: Addison Grove, Carroll Crest
Ask Miguel about this →2/1 buydown on a 30-year fixed FHA loan: 3.25% year 1, 4.25% year 2, 5.25% years 3 to 30 (6.036% APR) on selected quick move-in homes
Through M/I Financial. New contracts written on or after Sep 14, 2026; loan application within 48 hours of contract; must close by Dec 22, 2026. 3.5% down, 640 minimum credit score, primary residence. Seller contribution capped by agency limits.
Ask Miguel about this →2.99% first-year rate via a temporary 2/1 buydown on a 4.99% 30-year fixed FHA loan (5.80% APR), plus up to $10,000 toward closing costs
Select inventory homes in specific communities; must finance with preferred lender MCI Mortgage for the rate and the $10,000 closing cost credit. New written contracts only, no rewrites or transfers. Limited time.
Where: Select homes in specific Megatel communities
Ask Miguel about this →Grand opening rate as low as 2.50% year 1, 3.50% year 2, 4.50% year 3, then 5.50% (6.326% APR)
Trails at Cottonwood Creek only, first five homes sold, quick move-in homes, close within 60 days. MTH Mortgage and Carefree Title required.
Where: Trails at Cottonwood Creek only
Ask Miguel about this →2-1 buydown: 3.99% year 1, 4.99% year 2, then 5.99% (6.291% APR)
Eligible inventory homes, new contracts only, while funds last. Must use preferred lender Green Brick Mortgage. Example: $550,000 conventional, 10% down, 740 FICO. Not combinable with other offers. Rate as of 10/16/2026.
Where: Rainwater Crossing, Uptown Celina. Cross Creek Meadows (Celina); Estates at Stacy Crossing (McKinney); Hazelwood 40' and 55' Series (Frisco); Painted Tree Woodland West and Woodland North (McKinney)
Ask Miguel about this →$20,000 toward closing costs on select quick move-in homes
Must use Green Brick Mortgage and Green Brick Title. While funds last; not combinable; not for contract rewrites, transfers or prior Southgate buyers.
Where: The Reserve at Watters
Ask Miguel about this →2/1 buydown: 4.99% in year 1, 5.99% in year 2, then 6.99% (7.299% APR) on a conventional loan
Eliana only, eligible quick move-in homes, newly written contracts, loan amounts up to $832,750. Rate provided 10/14/2026.
Where: Eliana, McKinney
Ask Miguel about this →Special 5.49% (5.76% APR) 30-year fixed rate on select quick move-in homes
Through Toll Brothers Mortgage with a rate lock agreement. Minimum 10% down, loan amounts $250,000 to $832,750, primary residence only, FHA and VA not eligible. Sign agreement on or after Oct 8, 2026 and close by Dec 28, 2026. Limited availability, may end without notice.
Where: Select quick move-in homes. Ask which DFW homes qualify
Ask Miguel about this →$50K Your Way: $50,000 to use on structural options, design selections and a luxury appliance package
Runs Sept 1 to Nov 30, 2026. Details from Community Sales Manager.
Where: Across DFW
Ask Miguel about this →Rate buydown: 3.75% year 1, 4.75% year 2, 5.75% year 3, then 6.75% for years 4 to 30
Select homes; contracts after 8/28/2026 that close on or before 11/30/2026. Must use a specified trusted lender. Example assumes 760 credit score, 20% down, loan up to $832,750.
Where: Across DFW (select homes)
Ask Miguel about this →1% off your interest rate on any new to-be-built home
Contract on a new build by 11/30/2026; rate reduction through a participating trusted lender.
Where: Across DFW (to-be-built homes)
Ask Miguel about this →Up to $16,000 Flex Cash on select inventory homes, usable toward appliances, blinds, closing costs or a rate buydown
Select inventory homes; preferred lender required where applicable; limited time; not combinable.
Where: Legacy Hills
Ask Miguel about this →Before you visit a model home
The builder's rep works for the builder. I work for you.
As your agent I owe you fiduciary duties under Texas law: I have to put your interests above everyone else's, including my own, and tell you anything material I learn about the deal. In that sales office, I'm the only real advocate you have.
I read the build, not the brochure
I walk the slab, the framing before drywall and the final with you and your inspector, and I know what to push back on.
Every builder on one page
A builder's rep sells one community. I put your budget side by side across builders, with the PID or MUD, the school district and the incentive each one is offering that month.
Incentives that lower your payment
Builders offer price cuts, closing costs or a rate buydown. I run the numbers on each option so you take the one that does the most for your monthly payment.
Start to keys
Builders write their own contracts, not the standard state forms. I go through every page with you, and stay on it until you have the keys.
Build with Miguel →
On new construction the builder usually pays my fee, and I confirm it in writing before you sign. Bring me, or register me, on your first visit, because many builders won't add an agent later.
Before you visit a model
Get more than the posted offer
A posted incentive is where the negotiation starts, not where it ends. Builders often have more room on quick move-in homes that are finished or close to it, because every month unsold costs them money. Ask what is available on inventory homes, not just what is on the banner.
Most rate offers require the builder's affiliated lender, and many closing cost credits only apply if you use it. Compare the full loan estimate, not just the rate, because a bought-down rate can come with points or fees elsewhere. The Consumer Financial Protection Bureau has a guide to comparing loan estimates.
Many builders pay the agent who represents you from their side of the sale, and many also require your agent to be with you at your first visit or to register you before it. Bring your agent from day one, or call Miguel before you walk into a sales office.
Your agent
Meet Miguel.
Miguel Gomez is a Texas REALTOR® with Texava Brokerage. He works with first-time home buyers, new construction and families relocating to North Texas, and he gets back to you the same day.
FAQ
Common questions
Are builder incentives negotiable?
Often, yes. The posted offer is a starting point, and finished inventory homes usually have the most room. Get everything in writing in the contract.
Do I have to use the builder's lender to get the incentive?
Many rate buydowns and closing cost credits require the builder's affiliated lender. Each card notes the terms we found; confirm them with the builder before you sign.
How often is this updated?
The offers above were checked against each builder's own site on October 20, 2026. Offers change often, and expired offers drop off automatically.
Talk to Miguel
Let's talk about your move.
Tell me what you're looking for and I'll come to the conversation prepared. Same-day response.