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Discover the latest new home constructions in DFW and take advantage of the builder incentives that are available now.



Refind Realty Blog:


By Steven J. Thomas
Buying new construction in DFW feels safe. The home is brand new, nothing is broken, and the builder model down the street looked flawless. Then you do your final walkthrough, miss the small stuff, and spend your first year filing warranty tickets for things you could have caught before closing. A new home still needs a careful inspection. Builders move fast, subcontractors rotate through dozens of houses, and details slip. This checklist walks you through what to look for so you close with confidence instead of a punch list you discover after move-in.
Before closing on a DFW new construction home in 2026, inspect the home twice with a third-party inspector: once before drywall and again at the final walkthrough. Check the roof, foundation grading, HVAC, plumbing, electrical, windows, paint, caulking, and every appliance. Document every flaw in writing as a punch list the builder fixes before you sign. Want the full playbook? Grab the New Construction Buyer Guide.
A new home is built by people, and people working across many houses at once make mistakes. A missed nail, a backwards-pitched gutter, an HVAC unit that was never balanced. None of it means the builder is bad. It means your home deserves a second set of eyes before you take ownership. The cost of an independent inspection is small next to the cost of fixing problems on your own dime after the warranty conversations get harder. In a 2026 DFW market where builders are competing hard for buyers, you also have room to ask for fixes. Use it before closing, because that is when your bargaining power is highest.
Once framing, wiring, and plumbing are in but before the walls close up, this is your one chance to see the bones of the house. An inspector checks framing, electrical runs, plumbing connections, and structural details that disappear behind drywall forever. If something is wrong here, it is cheap to fix now and expensive later. Most builders allow this if you ask early, so put it in writing when you sign.
This is the one nobody should skip. A few days before closing, you and an independent inspector go room by room and document everything. Cosmetic flaws, mechanical issues, missing fixtures, anything that is not right. The result is your punch list, and a good builder works through it before you sign. Bring your phone, take photos, and write down every item. Learn how to structure this in the New Construction Buyer Guide.
Here is what to check before you ever sit at the closing table.
With rates in the mid-6s and more homes on the market, builders are motivated. That matters for your walkthrough because a motivated builder is more willing to fix punch-list items and add incentives to close the deal. Use the rebalanced market to your advantage and hold the builder to a clean handoff. You can compare active communities and incentives on my DFW new construction hub.
Budgeting for the inspection side of a new build is straightforward, and it is money well spent.
For a few hundred dollars, you protect a purchase in the hundreds of thousands. The 11-month inspection is the one most buyers forget. Schedule it before your builder's one-year warranty ends so anything that surfaced during your first year gets fixed on the builder's dime, not yours.
Not every builder runs the same playbook. Some have excellent warranty service and some make you chase them. Before you commit, ask current homeowners in the community how the builder handled their punch list and their first-year warranty claims. Walk a few finished homes, not just the model, because the model is the polished best case. A clear-eyed look at the builder's real work tells you how hard you will have to push at the walkthrough. If you want a rebate on top of all this, buyers who use my team as their agent on a new build can get money back at closing through the New Construction Rebate Program.
Your inspection timeline and your financing timeline have to line up. Build delays are common, and a delayed certificate of occupancy can push your closing and affect your rate lock. Talk to your lender early about lock periods and extension options, especially if the builder is offering a buydown that depends on closing by a certain date. Because I handle both the real estate and the financing, I keep those two clocks in sync so a walkthrough fix does not blow up your rate. Start with a quick pre-approval so you know your numbers before you tour.
A new construction home in DFW is a strong buy in 2026, but new does not mean perfect. The buyers who close happy are the ones who inspect early, inspect again at the walkthrough, document every flaw, and hold the builder to a clean handoff. None of it is complicated. It just takes a checklist and the discipline to use it. Do that, and your first year in the home is about enjoying it, not filing tickets.
Here is how to get started the right way:
You're Always Home with Steven J. Thomas.
Schedule the pre-drywall inspection once framing and rough-ins are done but before insulation and drywall go up. Schedule the final walkthrough inspection a few days before your closing date so the builder has time to fix the punch list.
Yes. An independent inspector works for you, not the builder, and catches issues the builder's own crew may miss. For a few hundred dollars you protect a purchase worth hundreds of thousands.
Get everything in writing and tie the fixes to your closing. Your bargaining power is highest before you sign, so document each item with photos and confirm the repairs in your contract addendum before funding.
It depends on the community and price point. The better question is how each builder handles warranty service, so ask current homeowners in the neighborhood about their punch-list and first-year experience before you commit.
It varies with the build stage. A quick move-in home can close in 30 to 45 days, while a build-to-order home follows the construction timeline, which can run several months and is prone to delays.
Browse current DFW new construction communities and inventory through the Lone Star Living app, then reach out and we will tour the right ones together.
Steven J. Thomas is a licensed Texas real estate broker with Refind Realty DFW and a loan officer with Envision Home Lenders, based in DeSoto, TX. Equal Housing Opportunity. All market data reflects current conditions at the time of writing and is not a guarantee of price, timeline, or outcome.

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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 :(713) 505-2280
Email: [email protected]
Office 128 S. Cockrell Hill Rd, DeSoto TX 75115
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