Build · Texas
New Construction Buyer in Texas
Buying from a Texas builder? Avoid being locked into the builder's preferred lender — and often beat their incentive.
Common challenges we solve
- Builder pressuring you to use their lender
- Wanting to compare rates and credits
- Long-dated rate locks during construction
What you get with Lumos
Extended locks of 90–360 days
Float-down protection if rates drop
Independent advocate at closing
What's different in Texas
New Texas subdivisions often carry MUD or PID assessments, which can add significantly to the property-tax rate, and the first year's tax bill may be based on the lot value only — your escrow can jump once the finished home is assessed. We estimate the full-value tax upfront.
Loan programs that typically fit
Frequently asked
- Can I really shop my own lender?
- Yes — federal law protects that right. The builder may offer incentives but cannot force you to use them.
- What if rates drop before closing?
- We use float-down locks so you don't miss the dip.
