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August in Waxahachie tells the truth about a house. Every other month of the year lets a marginal heating and cooling system pass its exam. Walk a new build in Ellis County on a 103-degree afternoon, though, and the system either holds the house or it does not. That is the whole point. A system that keeps 74 degrees inside when it is 78 outside has told you nothing at all.
Test a new construction HVAC system on the hottest August afternoon you can get. Measure the temperature in every room with the same thermometer and compare each room to the thermostat. Ask for the Manual J load calculation and the equipment tonnage in writing. Then put every measured number, with the date and outdoor temperature, on the punch list before you close.
Nobody standing in that model home works for you unless you bring your own agent. Whether a builder contributes anything toward that agent's compensation varies by builder, by community, and by what is negotiated in writing, so confirm it up front instead of assuming it. That is not an accusation. It is a job description. The person walking you through the house has no reason to point out that the upstairs bedroom runs eight degrees warmer than the thermostat in August.
Here is the number behind that. The Texas Association of Builders promulgated Express Limited Home Warranty and Performance Standards form (TAB Form D-16, dated 09/01/2019) sets the performance standard this way: internal temperatures "may vary up to 4-degrees Fahrenheit between rooms." Four degrees. So an upstairs bedroom sitting eight degrees above the thermostat is not a personal preference issue and it is not something you get used to. It is outside a written Texas performance standard, and the only person in the transaction with a reason to measure it is you.
Waxahachie sits between the two long-term climate stations the National Weather Service Fort Worth/Dallas office reports on, and both of them run hot. Using the 1991 to 2020 climate normals, DFW's normal August high is 95.8 degrees, and DFW averages 9.7 days per August at or above 100 degrees. That is nearly half of the airport's 20.2 hundred-degree days per year. Waco, south of Ellis County, averages 24 per year on the same normals. Waxahachie lives in that band.
Those numbers matter because of how the system was sized. EPA's ENERGY STAR program tells HVAC designers to use the ACCA Manual J, 8th edition, 1% cooling season design temperature for the nearest weather station. A 1% design temperature is exceeded roughly 1% of the hours in a year. Translated: the system was engineered to just barely keep up on the hottest afternoons, not to have headroom on them. Waxahachie gets those afternoons in August.
So an April walkthrough proves nothing. A 10 a.m. August walkthrough proves very little. Schedule the test between 3 p.m. and 6 p.m. on a day forecast at 100 degrees or higher, with the sun on the west-facing rooms. That is the honest exam.
Bring one thermometer. Use the same one in every room so you are comparing apples to apples. An inexpensive digital instant-read or an infrared thermometer pointed at the center of the room works.
Walk the house in this order and write down the number and the time in each spot:
Now compare. The TAB Form D-16 performance standard allows up to a 4-degree variance between rooms, and separately says the air conditioning system "shall produce an inside temperature of at most 78-degrees Fahrenheit as measured in the center of a room at height of five feet above the floor" under local summer design conditions. The same form adds a rule for the extreme days: when outside temperatures exceed 98 degrees, the system is expected to keep the inside 20 degrees cooler than outside. It also states that a thermostat reading should not differ by more than 4 degrees from the actual room temperature where the thermostat is located, which is worth checking separately with your thermometer.
Read a 2- or 3-degree spread and the house is performing. Read 5 to 6 degrees and you have a balancing or duct issue that a technician can usually chase down with damper adjustments and airflow work. Read 8 degrees or more on a 100-degree day and you are looking at something structural to the design: undersized equipment, undersized or crushed duct runs, a return air path that cannot pull enough air back, or all three. Your specific builder's warranty may set different numbers than the TAB form. Read your own warranty document and compare it to what you measured.
A Manual J load calculation is the room-by-room math that determines how much cooling the house actually needs. It accounts for square footage, ceiling heights, window area and glass type, orientation, insulation levels, air leakage, and the local design temperature. ENERGY STAR's HVAC Design Report requires room-by-room heating and cooling loads, documented and handed to the rater, for a home to be certified.
Not every home is ENERGY STAR certified, and not every builder produces a site-specific load calculation for the exact elevation and orientation you are buying. Group designs covering multiple elevations and orientations are common and permitted under the ENERGY STAR program within stated tolerances. That is legitimate practice. It also means the calculation may not have been run for your lot, your window package, and the direction your back wall faces.
So ask, in writing, before closing:
Email the request so you have a record. A verbal answer from a sales office is not documentation.
Three specifications change how the house feels in August, and all three vary by what was selected for your home.
| Equipment type | How it runs | What you notice on a 103-degree day |
|---|---|---|
| Single-stage | Full blast or off. One capacity, nothing in between. | Cools fast, shuts off, temperature swings return quickly. Less runtime means less moisture removal, so the house can feel clammy at the same thermostat setting. |
| Two-stage | Runs at a lower capacity most of the time, steps up to full when needed. | Longer, gentler cycles. Steadier room-to-room temperatures and better humidity control than single-stage. |
| Variable-speed | Modulates capacity continuously to match the load. | Near-constant low-speed operation, the tightest temperature spread across the house, and the best humidity control. Highest equipment cost. |
Efficiency is the second specification. Since January 1, 2023, the U.S. Department of Energy has enforced regional minimum efficiency standards, and Texas falls in the Southeast region. The minimum for a split-system central air conditioner below 45,000 Btu/h in that region is 14.3 SEER2. That is the legal floor as of 2026, not a target. Ask what the installed SEER2 rating is and whether a higher-efficiency option was available on your plan.
Refrigerant is the third, and it is genuinely new for 2026 buyers. Under the American Innovation and Manufacturing Act, manufacturers stopped producing residential split systems using R-410A after January 1, 2025, in favor of lower global warming potential A2L refrigerants such as R-454B. Then, on May 26, 2026, EPA published a final rule, effective July 27, 2026, that allows builders to keep installing pre-2025 R-410A units until existing supplies run out. NAHB notes R-410A production is scheduled to step down to 15% of current output by 2036, which will affect the cost and availability of refrigerant for service calls over the life of the equipment. Ask which refrigerant is in the system you are buying. Write the answer down.
In most Waxahachie two-story builds the air handler and the majority of the duct runs sit in an unconditioned attic. The Department of Energy's Building America Solution Center notes that in the Sunbelt, attic daytime temperatures rise far above 100 degrees for much of the year. Cold air is being pushed through metal and flex duct sitting in that environment, and every degree it picks up on the way is a degree that never reaches the upstairs bedroom.
Four things to verify:
Duct insulation R-value. The City of Waxahachie adopted the 2021 International Codes, including the International Energy Conservation Code, under Ordinance 3505 passed May 20, 2024 and effective June 1, 2024. Section R403.3.1 of the 2021 IECC requires supply and return ducts in attics to be insulated to R-8 where they are 3 inches in diameter or larger, and R-6 where smaller. Ask what R-value was installed and whether anything above code minimum was used.
Radiant barrier decking. A radiant barrier is a low-emittance foil layer, usually laminated to the roof decking, that reflects radiant heat before it loads the attic. DOE's Building America guide states a radiant barrier system can cut heat flow from the attic into the house by roughly 40%, typically worth 8% to 12% of annual cooling costs, and adds that when the duct work is in the attic, keeping it cooler "can be a significant benefit." Ask whether the decking on your home has it. Look up into the attic and check for the foil face.
Duct runs and support. Long flex runs, sharp bends, kinks, and sagging between supports all cut airflow. This is a common reason one upstairs bedroom runs hot while the rest of the floor is fine.
The return air path. A system can only supply as much air as it can pull back. If the upstairs has one undersized central return and the bedroom doors close tight with no transfer grille or door undercut, that room pressurizes and starves. Ask where the returns are and whether the bedrooms have a path back to them with the doors shut.
Two-story homes in this price band come both ways. Some plans get two complete systems, one per floor. Some get one system with a zone board and motorized dampers. Some get one system, one thermostat, and no zoning at all, which is the setup most likely to produce a large upstairs-to-downstairs spread in August.
Ask three questions before you sign the contract, not after:
Timing is the whole game here. Adding a zone board, dampers, and a second thermostat while the ceilings are open during framing is straightforward work. Doing the same job after closing means attic access, cutting into finished ductwork, running new thermostat wire through finished walls, and drywall repair. Costs vary by plan and contractor, so get a written quote rather than an estimate, and get it before the drywall goes up.
The common structure in Texas new construction follows the same three tiers as the Texas Association of Builders form. TAB Form D-16 sets warranty periods at "one year for workmanship and materials," "two years for plumbing, electrical, heating, and air-conditioning delivery systems," and "ten years for major structural components of the home." Third-party warranty administrators use the same shape. StrucSure Home Warranty's 1-2-10 product describes one year on workmanship and materials, two years on "the wiring, piping, and ductwork in the electrical, plumbing, heating, cooling, ventilating and mechanical systems," and ten years on major structural defects.
Read that middle line again. The mechanical coverage in these documents attaches to the delivery systems, and under the TAB form the period runs two years from the earlier of occupancy or transfer of title. Terms vary by builder and by warranty administrator, so pull your own warranty document out of the closing package and read the HVAC section yourself.
Here is why the timing matters. An HVAC comfort problem is seasonal. If you close in November, you will not know the upstairs runs hot until the following July. If you spend that first summer adjusting vents and telling yourself it is fine, you burn most of a two-year window before you ever file anything in writing. Then you are in year three trying to prove something you never documented.
Find it in August. Document it in August. That is the entire argument for testing before you close instead of after you move in.
"It feels warm upstairs" gets a nod and a note that goes nowhere. A measured differential with a date, a time, and an outdoor temperature gets a technician dispatched. The difference is not attitude, it is evidence.
| Do not write this | Write this instead | Why it works |
|---|---|---|
| "Upstairs is hot." | "8/12/26, 4:40 p.m., outdoor temp 103F. Thermostat set 72F, reading 73F. Northwest upstairs bedroom measured 81F at 5 ft center of room. 8-degree differential." | Puts a number, a date, and a condition on the record. Measurable claims get scheduled; feelings get filed. |
| "AC seems weak." | "Request supply and return air temperature differential test at the air handler, with results provided in writing." | Names the specific test the builder's HVAC contractor already knows how to run. |
| "Game room never cools." | "Game room over garage measured 82F at same time primary bedroom measured 74F. Request airflow measurement at game room supply registers and confirmation of duct sizing per the design." | Points at a probable cause instead of a symptom, which routes the ticket to the right trade. |
| "Want the paperwork." | "Request copies of the Manual J load calculation, equipment model numbers, tonnage, SEER2 rating, and refrigerant type for each system." | Creates a written record you can hold against warranty performance standards later. |
| "Check the attic ducts." | "Confirm attic supply and return duct insulation R-value meets or exceeds 2021 IECC R403.3.1 as adopted by the City of Waxahachie. Note any kinked, crushed, or unsupported flex runs." | Cites the standard the inspection is measured against instead of asking for an opinion. |
| "Add a second thermostat." | "Confirm zoning configuration as built: number of zones, damper locations, thermostat locations. If unzoned, provide written quote to add zoning prior to drywall." | Forces a decision while the fix is still cheap and the walls are open. |
Photograph everything. Keep the email thread. Get a written response with a date on it.
You can hire your own licensed inspector on a new build. Two visits are worth scheduling: a pre-drywall inspection while framing, ductwork, and rough mechanicals are still visible, and a final inspection before closing.
The pre-drywall visit is the one that matters most for HVAC, because it is the only time anyone can see the duct routing, the flex runs, the supports, the return chases, and the sealing at the boots and plenum. Once the drywall is up, all of it disappears behind the walls and ceilings.
Know what a Texas inspection does and does not cover. Under the Texas Real Estate Commission's Standards of Practice, 22 TAC 535.230, the inspector must measure and report the temperature difference between supply air and return air, and must report as deficient a cooling system that "fails to achieve a 15 degrees Fahrenheit to 22 degrees Fahrenheit temperature differential." The inspector must also report damaged or missing duct insulation, absence of airflow at accessible supply registers, and deficiencies in the location of return air openings.
Now the part most buyers never hear. The same rule says the inspector is not required to determine "sizing, efficiency, or adequacy of the system" or "balanced air flow of the conditioned air to the various parts of the building." A system can pass a standard TREC inspection, hitting a legitimate 18-degree split at the air handler, while the upstairs still runs eight degrees warm because the air is not getting where it needs to go. That gap is exactly why you walk the house yourself with a thermometer, and why you can ask your inspector to perform additional testing beyond the minimum standards.
How hard you can push on a punch list depends on inventory. Based on current conditions, buyers have more room to push than they did a few years ago. The Texas Real Estate Research Center's Texas Housing Insight report published July 1, 2026 put statewide active listings at 145,900 in April 2026, a 5.2-month supply, roughly 1.4 to 1.5 times pre-pandemic levels. Sold homes averaged 70 days on market statewide that month, and the median seller price reduction in Dallas-Fort Worth was $12,500, about 3% of the initial list price. On financing, Freddie Mac's Primary Mortgage Market Survey put the national average 30-year fixed-rate mortgage at 6.66% as of July 30, 2026. That is a published survey average for context only, not a quoted rate, an offer of credit, or an indication of what any individual borrower would be offered.
None of that guarantees anything about your transaction. It does mean a builder carrying standing inventory in a slower market has more reason to finish your list before closing rather than promise to handle it afterward. Ask for it in writing while you still have the closing date as a reason for them to move.
The builder rep works for the builder. That is not a scandal, it is the org chart. It just means the measuring is your job, or the job of the agent you bring with you, and August is the only month of the year when the measurement means anything in Waxahachie.
One thermometer. One hot afternoon. A written record of what every room actually read. Do that before you close and you will know more about the house than anyone who walked you through it.
Late afternoon on the hottest day you can schedule, ideally 3 p.m. to 6 p.m. with an outdoor temperature at or above 100 degrees. DFW averages 9.7 days at or above 100 degrees in August under the 1991 to 2020 National Weather Service normals, so August gives you the most chances.
The Texas Association of Builders promulgated Form D-16 performance standard states internal temperatures may vary up to 4 degrees Fahrenheit between rooms, measured in the center of the room five feet above the floor. Builder warranty documents vary, so read the one in your own closing package and compare it to what you measure.
Code minimum and comfort are different questions. The 14.3 SEER2 federal minimum for the Southeast region and the 2021 IECC duct insulation requirements are floors, not performance promises. Your measured room-to-room spread is the thing to raise, because it can be tested against a written performance standard.
Yes. Buyers commonly hire a licensed Texas inspector for a pre-drywall inspection while ductwork is visible and again for a final before closing. Under TREC Standards of Practice 22 TAC 535.230, inspectors must measure and report the supply-to-return temperature differential, but are not required to determine sizing, efficiency, adequacy, or balanced airflow. Ask your inspector what additional testing is available.
Under the Texas Association of Builders Form D-16 structure, plumbing, electrical, heating, and air conditioning delivery systems carry a two-year period, compared with one year for workmanship and materials and ten years for major structural components. Coverage varies by builder and warranty administrator, so read your specific document.
Build stage is the practical window, because dampers, zone controls, and thermostat wiring go in while ceilings and walls are open. After closing the same work involves attic access, cutting into finished ductwork, and drywall repair. Ask for a written quote before drywall rather than an estimate.
If you are buying new construction in Waxahachie, Midlothian, Red Oak, or anywhere in the southwest DFW corridor, the walkthrough is where you still have room to ask. Get the free New Construction Buyer Guide.
Steven J. Thomas is a licensed Texas real estate broker with Refind Realty DFW, TREC Broker License #657467, 128 S. Cockrell Hill Rd, DeSoto, TX 75115, phone 972-846-9170, and a licensed loan officer with Envision Home Lenders, NMLS #689220. Market data is current as of the dates cited and reflects conditions at the time of publication. Nothing here is a guarantee of price, timeline, warranty outcome, or system performance. This is not legal, engineering, or HVAC design advice; consult a licensed professional for your specific home. Equal Housing Opportunity. Texas Real Estate Commission Information About Brokerage Services and Consumer Protection Notice are available at trec.texas.gov.

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I used this realtor and it was a great experience. He was patient and very helpful with our journey. He also helped us find a great lender with little hassle on the process, also got us approved for well above the market of our original home so we were able to get more house with a lower mortgage rate. So to anyone who is interested in buying a home take my advice give Steven a call. It’s worth it 😁


Steve was absolutely amazing! Everything was easy! Very professional in all aspects. Punctual, responsive, and diligent. He goes above and beyond to ensure you get to see as many homes as you’d like no matter the location. Not only was he knowledgeable about home buying, he also has a resourceful network for new home owner needs. I recommend Refind Realty to everyone!


I definitely recommend Steven to assist with your home buying needs. As a first time home buyer the process can be overwhelming, but as my realtor he was knowledgeable & patient while addressing my concerns and assisting me with my new home purchase. Thanks again Steven!! :-)

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.
When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.
There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:
1 - Government-backed loans (FHA, VA and USDA):
(a) - Are, unsurprisingly, backed by the government.
(b) - Include FHA loans, VA loans, and USDA loans.
(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.
2 - Conventional loans
(a) - Are not backed by the government.
(b) - Include conforming and non-conforming loans (such as jumbo loans).
(c) - Make up more than 60 percent of the loans generated in the U.S. each year.
1 - FHA LOANS:
FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.
FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.
Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.
2 - VA LOANS:
VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.
Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.
3 - USDA LOANS:
You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.
Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.
Conventional loans are divided into two types: Conforming loans and non-conforming loans.
1 - CONFORMING LOANS:
Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.
The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.
Properties with more than one unit have higher limits.
2 - NON-CONFORMING (JUMBO) LOANS:
But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.
Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.
Rate types: Fixed-rate vs. adjustable-rate mortgages.
In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.
An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.
Site: www.stevenjthomas.com
Call :(972) 846-9170
Email: [email protected]
Office 128 S. Cockrell Hill Rd, DeSoto TX 75115
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