The Houston Real Estate Agent

09/29/2026

🏠 Good news for homebuyers!

Rocket Mortgage just shared results from their study on VantageScore 4.0. The updated credit scoring model is helping more people qualify for mortgages who previously couldn’t, and many are getting better rates.
For those who saved money, the average savings at closing was $1,600. FHFA Director Pulte and the agency are pushing these kinds of pilot programs to increase competition and innovation in the mortgage market.
According to the report, this progress is happening under the current administration. More access + lower costs = a step in the right direction for American families looking to buy a home.

Have you or someone you know benefited from newer credit scoring options?
Drop a comment below 👇

09/18/2026

🏡 New Home Find — This Incentive Caught My Attention

This move-in-ready David Weekley home in Montgomery, TX is listed at $364,243 and offers:

✅ 3 bedrooms
✅ 2.5 baths
✅ 1,938 sq. ft.
✅ 2-car garage

But here’s the part that really stands out:

💰 Up to $40,000 in builder flex dollars on select homes.

Those funds may be used toward things like a home price discount, design options, or financing incentives, depending on the program terms.

👉 Take a look here:
https://a.nhb.app/saved-search/302b673a-58f4-4666-b8c8-405c53e02435?model=home&id=5d474fcf-9133-4cf7-a448-a2cb796f1196

If you’re thinking about buying new construction, don’t just compare the home prices — compare the builder incentives too. Sometimes that’s where the biggest opportunity is.

📩 Message me if you’d like help comparing new-home communities and current builder offers around the Houston area.

Koshy Oommen, REALTOR®
Worth Clark Realty

Incentives, availability, and financing are subject to builder terms and buyer qualification.

09/11/2026

🏡 Good news for some future homebuyers!

Fannie Mae and Freddie Mac have now made VantageScore 4.0 broadly available for eligible mortgages, giving lenders another option besides traditional credit scoring.

Why does that matter? VantageScore 4.0 can consider rent and utility payment history when that information is reported to the credit bureaus. That may help some responsible renters whose traditional credit history doesn’t tell the whole story.

It doesn’t mean everyone will suddenly qualify for a mortgage, but I like the direction: more competition, more ways to evaluate creditworthiness, and potentially a fairer shot at homeownership.

Sometimes paying your bills faithfully should count for something. 🏠🔑

Koshy Oommen, REALTOR® | Worth Clark Realty

09/05/2026

A few Texas laws that took effect September 1, 2026 — from right-to-repair and solar protections to manufactured housing and gold & silver legal tender.
Good information for Texans to know. 🇺🇸⭐

Which one surprised you the most?

09/03/2026

🏡 New Construction Deal I Spotted

A brand-new 4-bedroom home under $250K — and check out the financing incentive. 👀

📍 140 Rising Cedar Lane | Hockley
💰 $249,900
🛏️ 4 bedrooms | 2.5 baths
📐 1,785 sq. ft.
🚗 2-car garage
✅ Primary bedroom downstairs
🌳 USDA-qualified community

🔥 Builder Financing Special:
3.25% — Year 1
4.25% — Year 2
5.25% — Years 3–30

This is a 30-year fixed FHA loan with a 2-1 temporary buydown through the builder’s affiliated lender, Inspire Home Loans. The current advertised APR is 5.452%.

🏈 PLUS — Labor Day Special: Contracts signed September 4–7 and closing by September 30 can also receive a grill and cooler bag tailgate package.

👉 Take a look at the home here:
https://a.nhb.app/u/koshy-oommen?model=home&id=031ed641-ed1a-4ee6-9b57-c1a3f3a201e1

If you're considering new construction, the price is only part of the equation. Builder financing incentives can make a big difference in the first few years of homeownership.

📩 Message me if you'd like to compare this with other builder deals around the Houston area.

Koshy Oommen, REALTOR®
Worth Clark Realty

Rates, incentives and availability are subject to buyer qualification and builder/lender terms and can change without notice.

09/02/2026

🏡 New Construction Deal I Spotted

4 bedrooms • 3 baths • 2,173 sq. ft. • $349,990

This D.R. Horton Midland plan in Sunterra Lakes, Brookshire caught my attention today. It’s a two-story home with the primary bedroom downstairs, another bedroom downstairs, an upstairs loft/game room, covered patio and 2-car garage.

💰 Builder-paid closing costs up to $5,000
🌳 USDA-qualified community — which may offer eligible buyers a zero-down financing option
✅ Quartz countertops
✅ Stainless-steel appliances
✅ Covered patio
✅ Sprinkler system
✅ Smart-home package

👉 See the home and all the details here:
https://a.nhb.app/u/koshy-oommen?model=home&id=cc3e3100-1ff4-40a9-b46f-f7bf65fc738b

If you're considering new construction, don't just compare the sales price—look at the incentives and financing options too. Sometimes that's where the real savings are.

📩 Message me if you'd like help comparing builder incentives around the Houston area.

Koshy Oommen, REALTOR®
Worth Clark Realty

Incentives, availability and financing are subject to change and buyer qualification. Verify current terms with the builder/lender.

Check out 1116 Selene Sky Drive a new home in Sunterra Lakes by D.R. Horton on New Home Buddy.

08/31/2026

🏡 New Construction Deal I Spotted

4 bedrooms + a private study, 3 full baths, all on ONE story — $339,990.

This D.R. Horton Lakeway plan in Silverthorne in Conroe caught my attention today.

✅ 2,034 sq. ft.
✅ 4 bedrooms | 3 bathrooms
✅ Private study
✅ Covered patio
✅ 2-car garage
✅ Currently under construction
✅ USDA-qualified community

And here's where it gets interesting:

💰 Up to $7,500 toward closing costs
🔥 Rate as low as 3.875% (5.613% APR) with DHI Mortgage's 7/6 adjustable-rate mortgage program.

👉 See the home, photos and details here:
https://a.nhb.app/u/koshy-oommen?model=home&id=817a475b-41e9-43e0-839d-366368278985

If you're shopping for new construction, don't just compare home prices—compare the builder incentives too. They can make a real difference in your upfront costs and monthly payment.

📩 Message me if you'd like me to help you compare new-home communities and current builder offers around the Houston area.

Koshy Oommen, REALTOR®
Worth Clark Realty

Advertised financing is subject to qualification, availability and program terms. The 3.875% advertised rate is a 7/6 ARM, not a 30-year fixed-rate mortgage, and requires use of DHI Mortgage for the promotional rate. Incentives may change or expire.

08/30/2026

🏡 NEW CONSTRUCTION DEAL I SPOTTED TODAY

5 bedrooms. 3 bathrooms. 2,637 sq. ft. — $302,990.

This move-in-ready Lennar home in Timbers Edge, New Caney caught my attention because of the current financing incentive:

🔥 Rate as low as 3.37% (6.76% APR)
🎁 Move-in-ready appliance package — refrigerator, washer, dryer, garage door opener & blinds, up to approximately $3,400 value
🌳 USDA-qualified community
🛏️ Primary bedroom + additional bedroom downstairs
🎮 Game room upstairs
🌤️ Covered patio
🚗 2-car garage

👉 See the home, photos & details here:
https://a.nhb.app/u/koshy-oommen?model=home&id=67544b12-9c1e-45aa-8ac6-05b63d644d39

Important: The advertised rate incentive currently requires a purchase agreement by TODAY, August 30, with closing/funding by September 30, 2026. Financing is through Lennar Mortgage and is subject to buyer qualification and other terms.

If you're considering a new construction home, don't look only at the sales price. Builder incentives can sometimes make a significant difference in your monthly payment and upfront costs.

📩 Message me and I can help you compare what different builders are offering.

Koshy Oommen, REALTOR®
Worth Clark Realty

08/28/2026

🏡 New Construction Deal I Spotted in New Caney!

If interest rates have been keeping you on the sidelines, this one is worth a look.

This brand-new D.R. Horton home in Porters Mill is currently listed at $270,740 and features:

✅ 3 bedrooms | 2 baths | 2-car garage
✅ 1,559 sq. ft. | One story
💰 Up to $7,500 toward closing costs
🔥 Mortgage rate as low as 3.875% (5.613% APR) with the builder’s 7/6 adjustable-rate mortgage program
🌳 Porters Mill – New Caney
✅ USDA-qualified community.

👉 Take a look at the home here:
https://a.nhb.app/u/koshy-oommen?model=home&id=bf2b44e3-0d71-4491-b5a4-8e7cc8c2d9da

There are quite a few builders offering incentives right now, and they're not all the same. If you're considering new construction, I'd be happy to help you compare the homes, incentives, rates and overall cost before you decide.

Koshy Oommen, REALTOR®
Worth Clark Realty

**Incentives, rates and availability are subject to change and buyer qualification. Advertised financing requires the builder's affiliated lender; the 3.875% rate shown is a 7/6 ARM, not a 30-year fixed rate.

04/23/2026

💥Exploring homes in The Champions Area. Check out these listings under $300K! 👇🏼

Homes In The Champions Area