Select Savings

Build Your Dream Home

With a 1 Year Rate Lock Offer


Guarantee that your rate won’t go up before you close on your new build home. 1 year rate lock includes one float down to lower rate up to 60-days before closing. We’ll refund your rate lock cost at closing!*

The Reserve at Watters Stella Owner's Bath

The Reserve at Watters

Allen, TX


Starting from the mid $900s*

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Office in the Lakewood III Floorplan at Painted Tree 50' Series.

Painted Tree 50' Series

McKinney, TX


Starting from the low $700s*

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Painted Tree Madison II Kitchen

Painted Tree 60' Series

McKinney, TX


Starting from the high $700s*

Windsong Ranch 61' Series

Prosper, TX


Starting from the low $800s*

Windsong Ranch Hudson II Owner's Suite

Windsong Ranch 71' Series

Prosper, TX


Starting from the mid $900s*

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*All financing and rate incentives are only valid for customers using Southgate Homes’ preferred lender. Offer not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Southgate Homes. May not be combined with other offers. Rates, terms, conditions, and other information may be discontinued and are subject to change without notice, including market conditions and availability. Final rate will be determined at time of rate lock. See community sales manager for details.

Lock terms available for 180, 270, and 360 days. 6-month lock is 60-day pricing +.25 to rate. 9-month lock is 60-day pricing +.375 to rate. 12-month lock is 60-day pricing +.5 to rate. Eligible for one-time float-down option within 60 days of closing. Conventional, FHA, & Portfolio: 6-month lock cost is .5% of loan amount. 9-month lock cost is .5% of loan amount. 12-month lock cost is .75% of loan amount (Not available on conforming 15 year for 9-month or 12-month lock). Rate lock cost will be refunded by Southgate Homes at time of closing. Must have a contract to lock your rate. Available for Conventional, FHA, and VA loans only. Conditions and fees apply. Southgate Homes reserves the right to cancel this offer at any time. Interest rates are determined on the day you lock your rate. If published rates fall below your locked rate, lender will allow a one-time offer to re-lock at the lower rate.

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