
Mortgage Rate Incentives
Rate buydowns, temporary or permanent, offered through a builder's preferred lender. Worth comparing against a price reduction.
Discover new construction homes, exceptional communities, and available builder incentives in McKinney, Frisco, Prosper, Celina, Allen, Plano, and surrounding areas.
New construction only, searched live from the MLS. Leave location blank to search all of Collin County. Prefer a curated list? Tell me what you need.
Discover new homes, leading builders, and exceptional communities in some of North Texas's most desirable locations.
Explore available homes, compare floor plans, and discover opportunities from builders across the Dallas area.
Explore available builder incentives, financing opportunities, price reductions, and move-in-ready homes.

Rate buydowns, temporary or permanent, offered through a builder's preferred lender. Worth comparing against a price reduction.

Builder credits toward lender fees, title, and prepaids, which lowers the cash you need at closing.

Finished inventory homes and quick move-ins are where builders most often negotiate on price.

Design-center credits, included upgrades, and seasonal promotions that add value without raising the price.
Incentives change often and vary by builder, community, and lender. I verify current offers directly with the builder before you commit to anything.
Explore Builder IncentivesExplore new construction neighborhoods, amenities, builders, and available homes across McKinney, Frisco, and Celina.
1McKinney, TXMaster planned McKinney community built around trails, parks, and open space, with homes from multiple builders.
2McKinney, TXMaster planned community in north McKinney with miles of trails, open space, and resident amenities.
3Frisco, TXLarge master planned development in north Frisco next to PGA Frisco, with new homes, parks, and planned retail.
4McKinney, TXNewer McKinney community with several builders, a range of floor plans, and new homes at different stages.
5McKinney, TXMcKinney neighborhood with new construction homes, current pricing, and available inventory.
6Celina, TXMaster planned Celina community with trails, lakes, and resident amenities, with homes from several builders.
Photos show representative new construction homes. Map pins mark each community's general location.
Jump straight into live new construction searches across Collin County, filtered by budget or by the features buyers ask about most.
New construction from McKinney and Frisco to Celina, Anna, and Princeton.
Filtered searches for move in ready homes, single story plans, luxury, and more.
Buying a new construction home is more than selecting a floor plan. From comparing builders and evaluating incentives to understanding contracts, financing, and total ownership costs, having knowledgeable representation can make a meaningful difference.
Side-by-side look at builders, lot premiums, standard features, and resale history.
Know which incentive is worth more to you, and where there's room to negotiate.
Tax rates, MUD and PID assessments, and HOA dues, before you sign.
Builder contracts, inspections, walkthroughs, and financing handled by one licensed REALTOR® and loan officer.
The advertised purchase price or mortgage rate doesn't always tell the whole story. Compare estimated payments, property taxes, HOA fees, and builder incentives before making a decision.
Estimates only, for illustration. Not a loan offer, commitment, or approval. Payments exclude mortgage insurance (typically required with less than 20% down), any separately billed MUD or PID assessments, utilities, and maintenance. Property tax rates vary by city, school district, and special district; your actual rate, insurance premium, and HOA dues may differ. Builder incentives such as rate buydowns can change the payment substantially. PJ Zaji, NMLS #2280005.
Builder contracts are written by the builder's attorneys to protect the builder. Many builders require your agent to be with you, or registered, on your first visit.
Inventory homes close in weeks and are easier to negotiate. A to-be-built home gives you your choice of lot, plan, and finishes, with a longer timeline.
The biggest incentives are usually tied to the builder's preferred lender. Compare the total cost, not just the rate.
Read: builder incentivesCity inspections check code minimums. Independent phase inspections and an 11-month warranty inspection catch what they miss.
Two homes at the same price can have very different monthly costs once special-district taxes and HOA dues are added.
Read: ownership costsTimelines depend on the build stage when you sign. Rate locks, appraisal, and final walkthrough all need to line up with completion.
Straight answers for buyers in McKinney, Frisco, Prosper, Celina, and the rest of North Texas.
Often, yes, though usually not the way you would on a resale. Builders protect their base prices because every sale sets a comparable for the rest of the community, so negotiation tends to show up as closing-cost help, rate buydowns, upgrades, or lot-premium concessions instead.
Finished inventory homes and homes nearing completion give you the most leverage, since the builder is carrying them. Timing matters too: end of quarter and end of year are common pushes.
You aren't required to have one, but the on-site sales team works for the builder. Your own agent helps you compare communities and builders, review the builder's contract, evaluate incentives, and push for fixes at the walkthrough.
Many builders cooperate with buyer's agents, but terms vary by builder, and you'll sign a written buyer representation agreement that spells out how your agent is paid. Ask before you sign anything.
Sometimes. A rate buydown through the builder's lender can lower your payment substantially, but the same dollars could also go toward price or closing costs. Compare the total cost over the time you expect to keep the loan, including the lender's fees and rate on the final Loan Estimate.
Yes. Builders can't require you to use their lender, but the largest incentives are usually tied to their preferred lender, so using your own may mean giving some of them up. Get a Loan Estimate from both and compare them side by side.
A MUD (Municipal Utility District) is a special district that funds water, sewer, and drainage for a new development and pays that debt back through an additional property tax rate. A PID (Public Improvement District) funds community improvements through an assessment billed to homeowners, often as a set annual amount for a fixed number of years.
Both are common in North Texas master-planned communities and can add meaningfully to your monthly cost, so ask for the current rate or assessment for any home you're considering.
Yes. City inspections confirm minimum code compliance, not workmanship. Independent inspections before the foundation pour, before drywall, and before closing catch problems while they are still easy to fix, and an inspection around month 11 lets you file warranty claims before the first-year coverage ends.
A finished inventory home can often close in 30 to 60 days. A home built from the ground up commonly takes several months to a year depending on the builder, plan, and permitting. Your builder's contract will give an estimate, but completion dates can move.
Most builders offer a limited warranty, commonly structured as one year on workmanship and materials, two years on major systems such as plumbing, electrical, and HVAC, and up to ten years on major structural components. Coverage and claim procedures vary, so read the warranty document before you sign.
Often the purchase price per square foot is higher, but the comparison isn't that simple. Builder incentives, lower maintenance and repair costs early on, and energy efficiency can offset part of the difference, while MUD or PID taxes, HOA dues, and items like window coverings, fencing, or landscaping can add to it.
Yes. Many builders require your agent to accompany you, or register you, on your first visit to the model or sales office. If you visit alone and sign in first, you may not be able to have representation on that home later.
Tell me what you're looking for, and I'll help you compare available homes, communities, builders, and current opportunities.
PJ Zaji · TX REALTOR® #631862 · NMLS #2280005


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