Builder incentives we verified on the builders’ own websites, with deadlines, required lenders and qualifications. If it is not verified, it is not here.
Chesmar Homes
Verified Oct. 12
30-year fixed from 4.999%
Fixed rate through a builder lender
Chesmar's Imagine Happier Bonus advertises a 30-year fixed rate of 4.999% (5.737% APR) on FHA loans, 5.375% (5.508% APR) conventional and 4.999% (5.287% APR) VA, on select homes.
Deadline
Contract Oct. 1 to Oct. 18, 2026. Close by Dec. 31, 2026.
Where
Select homes in Greater Houston
Qualifications
Financing through HomeAmerican Mortgage. Minimum credit score 680 for FHA and VA, 780 for conventional. Owner-occupied only. Loan amount capped at $832,750. Limited funds, first come, first served.
2/1 buydown starting at 3.5%, plus up to $7,500 toward closing costs
Temporary 2/1 buydown + closing costs
The rate starts at 3.5% in year one, 4.5% in year two, then 5.5% for the rest of the loan (6.266% APR). Meritage's example is a 30-year FHA loan on a $400,000 home with 3.5% down and a 640+ credit score.
Deadline
Contract Oct. 9 to Oct. 25, 2026. Closing about 60 days after contract (confirm with Meritage).
Where
Select quick move-in homes, Houston area
Qualifications
Must use MTH Mortgage and Carefree Title. Owner-occupied only. Total credits capped at 3% of base price plus premium. Cannot be combined with other offers.
4.99% on an FHA 5/1 ARM, plus a $5,000 closing-cost credit
Adjustable-rate offer
KB's offer is 4.99% (5.781% APR) on an FHA 5/1 adjustable-rate loan. The rate is fixed for five years, then adjusts; KB's own example shows 6.43% from month 61. Nearby KB communities include Madera Trails and Madera Preserve in New Caney and Sagecrest Trails and Sagecrest Preserve in Conroe.
Deadline
Purchase agreement by Oct. 31, 2026. Lock the rate with KBHS within 30 days.
Where
Advertised nationally. Houston eligibility not confirmed
Qualifications
Must use KBHS Home Loans. Owner-occupied only. KB states certain communities may be excluded and does not say whether the Houston communities above qualify. Ask me and I will confirm with the sales office before you visit.
Offers are advertised by the builders, not by Michael O'Neal or Keller Williams, and can change or end without notice. Rates and APRs shown are the builders' own examples. Not every buyer will qualify. Financing is subject to credit approval by the lender named in each offer. Using a builder's preferred lender is optional for your purchase but required to receive these incentives. Michael O'Neal is a real estate broker, not a mortgage lender. Equal Housing Opportunity.
Checked, not published
Highland Homes (The Woodlands Hills, Grand Central Park) Its 3.99% offer expired Sept. 7, 2026. We have not confirmed a replacement offer.
Lennar and Century Communities Both advertise financing help on select homes, but neither posts amounts or dates, so there is nothing specific to publish.
Perry Homes, Taylor Morrison, D.R. Horton, David Weekley, Pulte No specific Houston offer posted that we could verify this week.
Want every incentive in one place?
Tell me the area and price range. I will check current offers with the builders before you visit a model home, and you keep your own representation.
