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A "Sold" sign in a suburban DFW lawn adjacent to a new construction site, representing a perfectly timed transition.

Timing DFW Resale for Builder Closeouts | Refind Realty DFW

January 28, 20263 min read

How to Time Your Resale to Coincide with DFW Builder "Quarterly Closeout" Incentives

A "Sold" sign in a suburban DFW lawn adjacent to a new construction site, representing a perfectly timed transition.


Direct Answer

To maximize builder incentives, you should aim to be under contract on your new build during the final weeks of a fiscal quarter (March, June, September, or December). Publicly traded builders like D.R. Horton and Lennar are highly motivated during these windows to meet shareholder earnings targets. To achieve this, you must list your current home in late January through March to capitalize on the early-year "breakaway" demand, ensuring you are a "non-contingent" or nearly closed buyer when builders drop their most aggressive incentives. In 2026, targeting Quick-Move-In (QMI) inventory during these periods can yield incentives ranging from $20,000 to $50,000, including permanent mortgage rate buydowns into the low 5% range.

Book your Home Goals consultation to map your quarterly timing strategy: https://stevenjthomas.com/home-goals


1. The Quarterly Closeout Calendar

Builders operate on a rigid fiscal cycle where their motivation peaks at the end of each three-month period.

  • Q1 (March): Known as the "Spring Kickoff," builders want to set a strong tone for the fiscal year.

  • Q2 (June): The "Summer Surge" often sees high sales volume as families move before the new school year.

  • Q3 (September): A "Back-to-School" transition where builders often pivot toward financing incentives to help buyers qualify after summer expenses.

  • Q4 (December): The "Fiscal Finish" is the strongest window for deep discounts, as builders aim to clear their books of completed spec homes before year-end.

2. Strategic Syncing: Your Resale Timeline

To catch a Q2 or Q3 builder closeout, your resale timeline must be proactive.

  • T-Minus 60 Days: Begin preparing your listing in February–March with decluttering and repairs.

  • T-Minus 30 Days: List early in the spring (March–May) to take advantage of peak buyer activity and faster sales times (averaging 33 days).

  • The "Sweet Spot": Secure a buyer for your resale home before negotiating with the builder. Builders prioritize buyers who are already qualified or under contract, giving you more leverage to ask for extra perks.

3. 2026 Incentives: What to Negotiate

In 2026's balanced market, you have leverage to "stack" incentives if you time it correctly.

  • Permanent Rate Buydowns: This is the #1 most valuable incentive, where the builder pays points to lower your rate for the full 30-year term.

  • Quick-Move-In (QMI) Discounts: Builders offer their deepest price cuts (often $20k–$150k) on homes that are already built to avoid carrying costs.

  • Design Center Credits: Instead of lowering the base price, builders are often more flexible with "flex cash" for custom cabinets, flooring, or lighting upgrades.

4. Pitfalls to Avoid in 2026

  • The "Preferred Lender" Requirement: Most high-tier incentives require using the builder’s lender. Always compare the "net-to-buyer" cost against outside lenders to ensure the fees don't outweigh the perks.

  • Appraisal Risk: If you negotiate a large price reduction or incentive, ensure the home will still appraise to avoid last-minute financing issues.

  • Sunset Clauses: Quarterly deals often have strict deadlines; don't wait until the final day of the month to sign, as these incentives can expire at midnight.


Conclusion

In the DFW market of 2026, your greatest asset is readiness. By listing your resale early in the year, you position yourself as a highly attractive, "ready-to-move" buyer just as builders hit their critical quarterly deadlines. This synergy allows you to capitalize on peak resale prices while securing aggressive builder subsidies that lower your long-term housing costs.


Key Takeaways

  • Target Month-End: Builders are most motivated to negotiate in the last two weeks of March, June, Sept, and Dec.

  • Prioritize Specs: "Quick-Move-In" homes carry the deepest closeout discounts because of builder carrying costs.

  • Sell Early, Buy Late: List your resale in early spring to be a non-contingent buyer by the next builder quarterly deadline.

  • Focus on the Rate: A permanent rate buydown is often more valuable than a price cut in the 2026 interest rate environment.

  • Verify Net Savings: Always calculate the final effective cost including lender fees and MUD/PID taxes.

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Owned and Operated by Thomas & Thomas Financial Group, LLC

Steven J. Thomas

Steven J. Thomas has been in the financial services industry for the past 19 years and started my career as a Financial Planner for American Express Financial Advisors. I entered into banking with JP Morgan Chase as personal banker in 2003 and was promoted several times up to Small Business Specialist. I earned multiple Million Dollar Club awards and was ranked in the top 5 Small Business Specialist before I branched out in 2005 to start my own Financial Management Company. I ran a successful company before family circumstances lead me to Wachovia Bank in 2008 where I worked as a Senior Financial Specialist. As a Sr. Financial Specialist; I was responsible for the P & L and revenue growth of my banking center. The elimination of my role thru a bank merger lead me to BBVA Compass. I have held various leadership roles at BBVA Compass including Personal Relationship Manager, Branch Retail Executive, Workplace Solutions VP, and his current role as a Retail Manager. As the Regional Workplace Solutions VP, I was responsible for the strategic, tactical, and execution of Partnership Banking relationships, promotion and activity with corporate and non-profit companies in my footprint. I was responsible for the acquisition production for three districts, which includes 51 banking centers and over 300 employees. In May of 2014, I joined the team at Refind Realty and became one of the managing partners in mid-2015.

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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 😁

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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!

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Ask Us Anything

Frequently Asked Questions

Why do you need a Realtor?

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.

Which loan should you choose?

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.

What is the difference between FHA, VA and USDA loans?

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.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

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.

What kind of rate should you choose?

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.

Office 1229 E. Pleasant Run Ste 224, DeSoto TX 75115

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Site: www.stevenjthomas.com

Owned and Operated by Thomas & Thomas Financial Group, LLC