Buying new construction in North Texas.
Frisco, Prosper, Celina, McKinney and Anna are full of new communities. Buying from a builder is exciting, but the contract, timeline and incentives work differently than a resale home. I help you finance it and, as a REALTOR, I can represent you with the builder too.
Who it's for
- Buyers shopping new home communities across North Texas
- Buyers building a home that will take several months to complete
- Buyers comparing a builder's preferred lender offer
How it works with me
- Get preapproved before you visit model homes, so you know your range and have leverage.
- Builder incentives are often tied to their preferred lender. I help you compare the full offer in writing so you can choose with clear eyes.
- Longer builds need a plan for rate locks and timing. We map that out together from contract to closing.
What you'll need
- The same income, asset and credit documents as any purchase
- The builder's purchase agreement and any incentive addendum
- Your estimated completion date
Every situation is different. Send me your scenario and I will tell you honestly which programs fit, and compare them side by side in writing.
Programs, terms and eligibility vary and are subject to credit approval, underwriting guidelines and program availability. Not all applicants will qualify. This is not a commitment to lend. Laila Smith, NMLS #844202, HomeTown Lending, NMLS #2712965. Equal Housing Opportunity.
Questions buyers ask me
Do I have to use the builder's lender?
Usually no. Builders may offer incentives for using their preferred lender. I will help you compare that offer against your other options so you see the real cost.
Should I bring my own agent to a builder?
Yes, ideally on your very first visit. The builder's sales team represents the builder. Having your own agent costs you nothing in most cases and protects your interests.
Can you finance a custom build on my own land?
Construction financing for custom homes works differently from buying from a production builder. Call me and we will look at your plans and timeline together.