Every major builder. Current incentives. Updated weekly. Your independent real estate agent and mortgage broker for new construction in Houston.
| Builder | Price Range | Rate Buydown | Closing Credits | Design Credits | Preferred Lender Required? |
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These incentives change frequently. Last verified April 2026. Get a real-time comparison for your specific situation.
Get Your Builder ComparisonThe builder's sales rep works for the builder. Their preferred lender works for the builder. You need someone on your side for both the deal and the financing.
I represent YOU at the builder's table. I review contracts, negotiate upgrades, push back on pricing, and make sure you don't waive protections the builder's sales rep conveniently forgets to mention. The builder pays my commission, so this costs you nothing.
I compare 50+ lenders vs the builder's one option. That means better rates, lower fees, and loan programs the builder's lender simply does not offer. In many cases, my rate beats the preferred lender even after their incentives.
Most buyers have a separate agent and lender who barely talk to each other. I handle both, so nothing falls through the cracks. One point of contact from the model home tour to closing day. Nobody else in Houston does this.
Ben Helstein | Real Estate Broker & Mortgage Loan Originator | NMLS #1577314
Most Houston builders are offering rate buydowns (some as low as 0.99% for the first year), closing cost credits up to $25,000, and design center credits up to $100,000. These change frequently. The best deals are typically on quick move-in homes that have been sitting in inventory.
No. You can always use an outside lender. However, most builders tie their best incentive packages to using their preferred lender. An independent broker like InSync can often beat the builder's rate even without the incentive, saving you more over the life of the loan.
Yes. After the NAR settlement in August 2024, builders can no longer list commission offers on the MLS. But virtually all Houston builders continue paying buyer's agent commission, typically 2% to 3%. You must register with your agent on the first visit to qualify.
Many new construction communities in Houston are in Municipal Utility Districts (MUD). MUD tax rates can be 2 to 3 times higher than non-MUD areas, adding $500 to $800+ per month to your payment. Always check the total tax rate before committing to a new build.
Absolutely. New builds have defects too. A third party inspection during construction (pre-drywall and final) catches issues the builder's own quality control misses. This is one of the most important steps buyers skip.
I'll be your buyer's agent at the model home AND your mortgage broker at the closing table. The builder pays my real estate commission, so having me represent you costs nothing. Let's find you the right home with the right financing.
Ben Helstein, NMLS #1577314