Houston builders are cutting rates to 0.99 percent and throwing in up to $25K in closing credits to move inventory. I track every builder every week and send you the homes that actually price well, so you skip the marketing fluff and pick the one that makes sense.
Live pull from our Houston builder tracker. The headline rate buydowns and credit packages being offered right now. Updated weekly.
| Builder | Price Range | Rate Buydown | Closing / Design Credits |
|---|
Three steps from your first model home tour to closing day.
One short conversation about your budget, timeline, and where you want to live. I come back with the three or four builder communities that actually fit, with current pricing, incentives, and the trade-offs for each.
I walk the communities with you. I pull the effective total tax rate, run the blended rate on any buydown, and tell you which incentive actually applies versus which is marketing. No pressure from me and no chance the sales rep locks you into their best offer before you compare.
Builder contracts are written for the builder. I review every clause, push back on arbitrary fees, negotiate upgrades, and make sure you do not waive protections the sales rep forgot to mention. Ben compares the builder's preferred lender against 50 plus outside lenders so your rate is the best available, not the best the builder offers.
Every major Houston builder with current incentives, the 10 trap questions to ask the sales rep, which communities are in MUD districts that add $500+ a month to your payment, and how to tell a real rate buydown from a marketing gimmick.
FREE · INSTANT DOWNLOAD · UPDATED WEEKLY
It is real but it only lasts the first year. A 2/1 or 3/2/1 buydown drops the rate 2 or 3 points for the first year and less in years 2 and 3. I run the blended rate across the full term so you see what the loan actually costs, not just the number on the flyer.
No. You can use any lender. Most builders tie the headline incentive to the preferred lender, but Ben Helstein compares 50 plus outside lenders and sometimes beats the preferred rate even after the incentive. If the outside loan wins, you save more over the full term.
Most master-planned communities are in Municipal Utility Districts. MUD tax rates can add $500 to $800 a month to your payment. The builder's sales rep quotes the base tax rate and leaves the MUD out. I pull the effective total rate on every home we tour so there are no surprises at closing.
Yes, though it looks different than resale. Builders rarely drop the list price, which would reset comps for the whole community. They will throw in upgrades, cover closing costs, buy down your rate, or add appliances. I know which levers each builder will pull and which ones they will not.
Inventory homes have the best incentives because builders want them off the books. Build-from-scratch gives you more customization but rarely qualifies for the headline rate buydowns. If your timeline is under 90 days, inventory is the move. If you have 6 months or more, custom may be worth it for the right community.
If the builder's quick move-in list is short, rates are dropping, or the community is nearly sold out, incentives will thin out fast. I watch the inventory every week and tell you when the window is closing on the home you actually want.
Bring me in first. Fifteen minutes on the phone and I will send you this week's three best-priced homes in your range, with the real math on each.
Book a 15-Minute Call