3.99% with 0% Down: *3.99% (APR 6.638%) 5/1 ARM FHA with 0% Down available on new contracts written on or after 11/3/2026 and closing on or before 12/31/2026, subject to availability and borrower qualification. Offer is based on combined financing consisting of a 96.5% FHA-insured first lien and a 3.5% second lien, resulting in no required down payment. First lien is a 5/1 Adjustable-Rate Mortgage (ARM) with a 3.99% initial interest rate, fixed for the first five years and subject to adjustment beginning in year six. Second lien is financed at a 8.99% fixed interest rate, amortized over 30 years with the remaining unpaid balance due as a balloon payment after 10 years (APR 9.061%).
Minimum qualifying credit score of 680 required. Buyer must receive automated underwriting approval and satisfy all lender, FHA, income, credit, property and program requirements. Buyer is responsible for a 1% origination fee, customary closing costs and prepaid items. Limited funds are available on a first-come, first-served basis and may be exhausted without notice. No contingent contracts. Offer does not apply to existing contracts and cannot be combined with other financing incentives, promotions or offers. Rates, terms, eligibility and availability are subject to change without notice. See a participating preferred lender for complete terms, APR, payment information and qualification requirements.
Save Up to 50% On Upgrades: Receive 50% off eligible builder upgrades, up to a maximum total upgrade/option cost of $20,000, on qualifying build-to-order homes with new purchase agreements executed from September 11 through November 30, 2026, in participating First Texas Homes communities. Promotion applies only to eligible upgrades selected through First Texas Homes and approved as part of the home purchase and construction process. Discount is calculated from the builder’s then-current published or quoted upgrade price. Maximum promotional savings are $10,000 per qualifying home.
Promotion does not apply to the base home price, lot premiums, financing costs, closing costs, taxes, homeowner association fees, third-party services, or other non-upgrade charges. Certain structural options, plan modifications, custom requests, engineering changes, appliances, technology packages, specialty products, discontinued items, or other selections may be excluded. Upgrade availability varies by home plan, construction stage, community, supplier availability, and builder approval.
All selections are subject to applicable design deadlines, construction schedules, product availability, and builder approval. Substitutions may be required due to manufacturer or supply-chain changes. Discount has no cash value, may not be applied as a credit against the purchase price or toward closing costs, and may not be applied retroactively to previously executed contracts or previously completed selections. Additional restrictions may apply. First Texas Homes reserves the right to determine eligible upgrades and to modify or discontinue the promotion prior to execution of a qualifying purchase agreement. See a First Texas Homes sales consultant for complete terms and eligible communities.
