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How to Work with a Builder as a First-Time Buyer: Tips for McKinney New Construction Homes

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Apr 30
  • 4 min read


Buying a brand-new construction home in McKinney, Texas can be exhilarating — sparkling finishes, cutting-edge designs, and the excitement of something that's completely yours.


However, as a first-time buyer, working with a builder is very different from buying a resale home. Builders have their own contracts, sales teams, timelines, and rules. If you’re not prepared, it’s easy to get overwhelmed, make costly mistakes, or miss key negotiation opportunities.


This guide will give you insider tips on how to successfully work with a builder — ensuring a smoother, more profitable buying experience.


Why McKinney Is a Hotspot for New Construction Homes

  • Ranked #6 Best Place to Live in the U.S. — Money Magazine

  • Population Growth: Over 51% since 2010 (Source: U.S. Census Bureau)

  • Top Builders Operating in McKinney: Highland Homes, Perry Homes, Toll Brothers, Shaddock Homes

  • Projected New Construction Deliveries 2025-2026: Over 3,500 homes (City of McKinney Planning Dept.)

As Forbes highlights,

"First-time luxury buyers are increasingly drawn to McKinney for its combination of upscale living, future growth, and strong investment value."

How to Work with a Builder as a First-Time Buyer


1. Always Use Your Own Buyer’s Agent

The builder’s salesperson works for the builder — not you.Their job is to protect the builder’s profit margins.

Benefits of Having Your Own Agent:

  • Advocate for your best interests in pricing, incentives, and upgrades

  • Help you navigate complex builder contracts

  • Manage inspection timelines and construction phases

And the best part?The builder pays your agent's commission — not you.

National Association of Realtors (NAR) confirms,"Builder-paid commissions ensure buyers can have full representation without additional cost."

Learn more about buyer representation here:👉 https://www.nitinguptadfw.com/contact


2. Understand the Builder’s Contract

Builder contracts are very different from standard Texas Real Estate Commission (TREC) contracts.

Key Differences to Watch For:

  • Strict timelines and penalties for missing deadlines

  • Limited builder obligations regarding delays

  • Minimal contingencies for financing issues

Always have your buyer’s agent review the contract carefully — and consider involving a real estate attorney for large purchases.


3. Get Pre-Approved — and Compare Lenders

Most builders will offer incentives if you use their "preferred lender," but it may not always be the best deal for you.

Tips:

  • Always get a second (and third) quote from outside lenders.

  • Compare not just rates, but closing costs and lender credits.

  • Don't feel pressured — you have the right to choose your financing.

Consumer Financial Protection Bureau (CFPB) recommends,"Buyers should collect at least three lender offers to find the most favorable loan terms."

4. Schedule Third-Party Inspections

Even brand-new homes have defects.Trust but verify.

Recommended Inspections:

  • Pre-drywall inspection (before walls are closed)

  • Final inspection (before closing)

  • One-year warranty inspection (before the warranty expires)

According to Consumer Reports,

"Independent inspections on new construction are crucial for identifying structural, electrical, and plumbing mistakes early."

5. Clarify What’s Included — and What’s Extra

Don't assume the beautiful model home is what you're getting.Builders often display all the premium upgrades.

Checklist:

  • Request a standard features sheet.

  • Get a written breakdown of optional upgrades and their costs.

  • Understand upgrade deadlines — many choices must be made early in the process.

Common Upgrades to Confirm:

  • Flooring (hardwood vs carpet)

  • Countertops (granite vs quartz)

  • Cabinets and hardware

  • Appliances

  • Lighting packages

6. Watch the Construction Timeline Carefully

Delays happen — but communication is key.

Checklist:

  • Get a projected closing date in writing.

  • Clarify what counts as a "force majeure" (builder's excuse for delays).

  • Request regular updates, ideally every 2-3 weeks.

Working with an experienced buyer's agent ensures better accountability throughout construction.


7. Know the Warranty Coverage

Every new home should come with a written warranty, but not all warranties are equal.

Typical Coverage:

  • 1 year for workmanship and materials

  • 2 years for major systems (plumbing, electrical, HVAC)

  • 10 years for structural defects

Ask for a sample warranty to review before signing any agreements.


Hidden Costs to Budget For

  • Lot Premiums: $10,000–$75,000+

  • Upgrades: 20%-25% of base price

  • Landscaping and Fencing: $10,000–$25,000+

  • Blinds/Window Treatments: $2,000–$8,000+

  • Closing Costs: 2%-5% of purchase price

  • HOA Dues: $700–$1,500/year depending on community

(Source: MLS Data 2025, NAHB, Builder Online)


Why Partner with an Expert for McKinney New Construction Homes

Buying new construction in McKinney is exciting — but it’s also full of traps if you’re not properly represented.

Working with an experienced agent like Nitin Gupta, Broker Associate, REALTOR®, ensures you:

  • Negotiate smarter

  • Avoid hidden fees

  • Protect your interests in contracts

  • Close smoothly — without surprises


Learn more about how we can help:👉 https://www.nitinguptadfw.com/contact

See Nitin Gupta’s certifications and awards:👉 https://www.nitinguptadfw.com/awards-certifications


Final Thoughts

Working with a builder as a first-time buyer in McKinney doesn’t have to be overwhelming — if you know the rules of the game.


Arming yourself with the right knowledge, professional representation, and a clear strategy ensures you’ll enjoy the luxury new home you deserve — without the stress or financial pitfalls.


If you’re ready to build your dream home in McKinney,👉 Contact Nitin Gupta today at https://www.nitinguptadfw.com/contact


Let’s make your vision a reality — the right way.

Call us at 469-269-6541 for more information about McKinney real estate!


FIND A LUXURY HOME IN   MCKINNEY, TEXAS WITH NITIN GUPTA, BROKER ASSOCIATE, REALTOR®.


When purchasing a luxury home in   McKinney, Texas, it’s essential to consider factors such as location, architectural style, security, and amenities to ensure the home meets both lifestyle and investment needs. By selecting a property in a prestigious neighborhood with numerous amenities and security measures, buyers can ensure they’re making a valuable and rewarding investment in the vibrant McKinney market.


For those looking to invest in luxury homes in McKinney, Texas, Nitin Gupta is an expert real estate professional ready to assist. Known for his extensive experience, market insights, and numerous awards, he is committed to finding his clients the best properties in the area.


Contact Nitin Gupta at 469-269-6541 or send a message today to explore exclusive listings and secure your ideal luxury residence in one of McKinney elite communities.






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