RGV New Homes Guide | Issue 33 Vol. 2 | May-June-July 2025

What Homebuyers Want — PG. 5 |

Dream It, Build It, Live It: Your Perfect Home — PG. 10 |

Hidden Costs of Homeownership — PG. 26

E Q M Volume 33 Issue 2 — May/June/July ‘25

rgvNewHomesGuide.com

Mark Your Calendar!

Join Us for the Premier Home Building Industry Event in South Texas!

See pages 8-9

ONE DAY ONLY – DON’T MISS IT! Saturday, May 31, 2025

9AM - 4PM

McAllen Convention Center 700 Convention Center Blvd. • McAllen, Texas 78501

SCAN ME!

ATTENDEES: PRE-REGISTER FOR THIS FREE EVENT AND BECOME ELIGIBLE FOR A $500 CASH CARD GIVEAWAY*

FREE ADMISSION

www.SouthTexasBuildersShow.com SPECIAL FEATURES:

- SUBSCRIBE FREE

AND BECOME AN INFORMED HOMEBUYER!

www.Bit.ly/SubscribeNHG

2025 South Texas Builders Show – Pg. 8 BUILT TO SAVE® Superior Builders Directory – Pg. 14 A First-Time Buyer’s Guide to Getting a Construction Loan – Pg. 16

Breathe healthy indoor air

with a high-performance home

BUILT TO SAVE® high-performance vertified homes are tightly sealed to prevent infiltration of outdoor contaminants and allergens. The BUILT TO SAVE® program’s requirements also include a properly sized air-conditioning unit to ensure controlled humidity and whole-house comfort with superior indoor air quality.

Ask your builder if your home is BUILT TO SAVE® vertified.

See page 14-15 for a list of BUILT TO SAVE® builder members or scan the QR code to visit www.BuiltToSave.org

SHORT-TERM CONSTRUCTION LOANS FOR LONG-TERM HAPPINESS CONSTRUCTION LOANS ARE OUR SPECIALTY. 840 N. Cage Blvd.

Pharr, TX 78577 1421 E. Nolana McAllen, TX 78504 320 E. University Edinburg, TX 78539

With our trusted, friendly, fast, and efficient service, we have earned the reputation for being a preferred mortgage lender.

Builders and mortgage professionals rely on us for construction loans with competitive rates, smoother closings, and exceptional service. If you’re building a home, give our loan specialists a call and experience their excellent reputation firsthand.

2000 N. Conway Ave. Mission, TX 78573 300 E. King Ave. Kingsville, TX 78363 1500 N. Smith Hebbronville, TX 78361

A+

RATING

(956) 687-4260

bankofsouthtexas.com

Empowering Residential & Commercial Growth in South Texas for Over 25 years!

May / June / July ’25 Volume 33 Issue 2

PUBLISHER Across Media Marketing, LLC

Contents

EDITOR-IN-CHIEF Jose Vielma

V O L . 3 3 I S S U E 2 — M A Y / J U N E / J U LY 2 0 2 5

8

SENIOR EDITOR Barbara Zapffe

8

SALES MANAGER Jose R. Vielma CREATIVE DIRECTOR Bobo Wenadan ADVERTISING SALES Ken Sabe

10

20

FREE ADMISSION

16

$500 CASH CARD GIVEAWAY*

HOME-BUYING ADVICE What Homebuyers Want in 2025

5

34

can seem intimidating. This step-by-step guide offers

are shaping homebuyer decisions in 2025, offering

simple, practical tips to help you understand what to

key insights for prospective homeowners and industry

expect, get prepared, and improve your chances of

professionals navigating today’s evolving market.

approval.

The Hidden Costs of Homeownership

ENERGY EFFICIENCY

Discover the surprising expenses new homeowners often overlook—from utility bills to maintenance—and learn how to prepare and protect your budget.

7

Dream It, Build It, Live It Experience the perfect blend of luxury and comfort in

in verifying the energy efficiency of BUILT TO SAVE® and ENERGY STAR® homes.

25

construction, exceeding code requirements to

spaces and elegant architectural details for family

create high-performance homes that offer greater

living.

comfort, value, and long-term savings.

FINANCING

30

performance—like energy efficiency, indoor air

Learn how first-time buyers can navigate the

quality, and utility costs—that truly impacts comfort, savings, and long-term value. Discover what really

their dream home into reality through smart planning

matters when buying a home.

and the right lender.

COVER FEATURE Dream It, Build It, Live It: Your Perfect Home — PG. 10 |

Hidden Costs of Homeownership — PG. 26

THE 2025 SOUTH TEXAS BUILDERS SHOW

E Q M Volume 33 Issue 2 — May/June/July ‘25

rgvNewHomesGuide.com

Mark Your Calendar!

Join Us for the Premier Home Building Industry Event in South Texas!

See pages 8-9

ONE DAY ONLY – DON’T MISS IT! Saturday, May 31, 2025

9AM - 4PM

McAllen Convetion Center 700 Convetion Center Blvd. • McAllen, Texas 78501

SCAN ME!

ATTENDEES: PRE-REGISTER FOR THIS FREE EVENT AND BECOME ELIGIBLE FOR A $500 CASH CARD GIVEAWAY*

FREE ADMISSION

www.SouthTexasBuildersShow.com SPECIAL FEATURES:

- SUBSCRIBE FREE

AND BECOME AN INFORMED HOMEBUYER!

www.Bit.ly/SubscribeNHG

2

2025 South Texas Builders Show – Pg. 8 BUILT TO SAVE® Superior Builders Directory – Pg. 14 A First-Time Buyer’s Guide to Getting a Construction Loan – Pg. 18

Don’t miss the Valley’s premier construction industry event: networking, exhibits, and expert sessions on energy-efficient construction.

(See page 8)

Why Energy Ratings Matter While stylish features catch the eye, it’s a home’s

A Guide to Construction Loans construction loan process with confidence, turning

What Home Buyers Want — PG. 5 |

2025 Leading Energy-Efficient Builders Meet the builders leading the way in energy-efficient

a custom-built home, tailored to your style, with open

16

Trained to Verify High Performance Independent third-party inspectors play a crucial role

HOME SPACES 10

A Buyer’s Guide to Getting a Home Loan If you’re a first-time homebuyer, the loan process

Explore how economic factors and shifting lifestyles

26

26

IT SPECIALIST Nadine Sabe DISTRIBUTION MANAGER Ken Sabe, Jr.

THE RIO GRANDE VALLEY AREA NEW HOMES GUIDE (NHG) is a quarterly publication of Across Media Marketing, LLC. Unless otherwise noted, all photography, artwork, and editorial content printed in NHG are copyrighted material and may not be duplicated or reprinted without express written permission. NHG and Across Media Marketing, LLC. are not responsible for typographical or production errors, or for the accuracy of information provided by the advertisers. Opinions expressed by writers and contributors do not necessarily represent the opinions of the publisher. NHG reserves the right to cancel or refuse any advertising which we deem unsuitable for our publication, conflicts with other existing agreements, or if advertiser is not in good standing.

EQUAL HOUSING OPPORTUNITY All real estate advertising in this magazine is subject to the Federal Fair Housing Act of 1968 and the Amendments Act of 1988 which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation or discrimination.”

This magazine will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. To complain of discrimination, call HUD tollfree at 1-800-669-9777 or contact HUD’s regional office in Ft. Worth, Texas at (817) 885-5521. The telephone number for the hearing impaired is 1-800-927-9275.

The Rio Grande Valley New Homes Guide is published quarterly by: Across Media Marketing, LLC Mailing Address: 3000 Melinda Drive, Edinburg, Tx 78539

FOR ADVERTISING RATES AND INFORMATION: (956) 778-3590 www.RgvNewHomesGuide.com

BUILDER INDUSTRY NEWS 20

2025 STC Construction Trades Expo South Texas College recently hosted a Construction Trades Expo where students engaged with local industry professionals. See the participants and

/rgvnewhomesguide

learn how STC’s Construction Supervision Program

@rgvnewhomes

is shaping the Valley’s next generation of builders.

@rgvnhg

SIERRA TITLE WWW.SIERRATITLE.COM

CLOSE WITH PEAK CONFIDENCE

UPPER VALLEY TEAM

Professional Hometown Service Valley roots back to 1928 Comprehensive on-site Title Plant and Title Underwriting services

Upper Valley Management Marielsa Pulido

McAllen, Texas 3401 N. 10th St.

Quick and efficient Title Commitments and Closings

LOWER VALLEY TEAM

Statewide service, Valley owned and operated Only Guaranty Company based in the Valley Lower Valley Management

Neel Fulghum & Vicky Treviño

Harlingen, Texas

1225 Stuart Place Rd.

HABLAMOS ESPAÑOL El Paso • 120 Shadow Mountain (915) 584-9451

• 5001 N. Mesa, Ste. 2-C (915) 544-3322

• 8732 Alameda (915) 858-0665

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• 1504 Montana (915) 228-3475

McAllen

Harlingen

South Padre Island

• 3401 N. 10th St. (956) 682-8321

• 1225 Stuart Place Rd. (956) 412-0564

• 3311 Padre Blvd. Ste. E (956) 761-2104

Edinburg

• 1902 E. Harrison (956) 428-8801

• 109 N. 10th Ave. (956) 383-7474

Brownsville

• 4740 S. Jackson Rd. (956) 720-4498

• 1765 E. Price Rd. (956) 541-9893

Plus 2 Statewide Offices!

ELCOMING LUXURY Luxury Homes That Inspire the Soul and Enchant the HEART! At Waldo Homes, building your dream home is a true labor of love. Every design, detail, and finish reflects their passion for creating beautiful, lasting spaces. From stunning architecture to luxurious interiors, Waldo Homes delivers the “Waldo Wow Factor” in every project. Led by Luis Waldo and his dedicated team, their honesty, skill, and heart shine through—creating homes that aren’t just built, but crafted for a lifetime of pride, joy, and unforgettable memories.

W

A L D O

H O M E

S

OW!

Scan and see a gallery of our newest custom homes.

LUIS WALDO (956) 466-8590

4

E WALDO HOMES RGV

DANNY WALDO (956) 777-3677

Q WALDO_HOMES_RGV

TERE WALDO (956) 466-8227

KAREN WALDO (956) 990-8780

W A L D O H O M E S R G V. C O M

HOMEBUYING ADVICE

What Homebuyers Want in 2025 In 2025, the housing market is evolving as buyers adapt to economic conditions and changing lifestyle preferences.

Understanding these shifts is crucial for prospective homeowners and industry professionals alike.

Affordability and Home Size

Rising construction costs and higher interest rates have led buyers to seek more affordable housing options. This trend is evident in the decreasing median home size, which dropped from 2,200 square feet in 2023 to 2,150 square feet in 2024— the lowest in 15 years. Additionally, townhomes have gained popularity, now comprising 17% of the singlefamily market, up from 10% in 2009.

These shifts reflect buyers’ efforts to balance budget constraints with housing needs.

Move-In Ready Homes

With high interest rates limiting funds for renovations, buyers increasingly prefer move-in ready properties that don’t require major repairs or updates. Homes in top condition are in high demand and often receive multiple offers shortly after listing. This preference underscores the importance of sellers investing in necessary improvements before listing their homes.

Design Trends: Organic Modernism

Aesthetic preferences are also shifting, with “organic modernism” emerging as the leading

home design trend, surpassing the modern farmhouse style.

This design emphasizes natural materials and statement finishes, such as natural stone, wood flooring, and textured walls. Homes featuring these elements can sell for up to 3.5% more than expected, potentially increasing home values by over $12,000.

Technological Integration

Modern buyers prioritize smart home features that enhance security and convenience. Top desired technologies include security cameras, wireless security systems, and video doorbells.

These features not only provide peace of mind but also add value to properties in a competitive market.

Economic Considerations

Affordability remains a significant concern, with 49% of Americans believing it is unrealistic to buy a home in 2025. Factors such as rising home prices and high interest rates contribute to this sentiment. However, more than half (51%) still plan to purchase a home this year, indicating a persistent desire for homeownership despite financial challenges.

Location and Lifestyle

Buyers continue to prioritize location, considering factors like commute times to work, proximity to city conveniences, schools, medical facilities, and access to major highways. Additionally, there’s a growing emphasis on lifestyle: on wellness amenities, such as home gyms and saunas, and designs that incorporate natural elements like high ceilings and large windows to enhance natural light.

Financial Strategies

In response to economic uncertainties, some buyers are opting for larger down payments to reduce monthly mortgage costs. This approach often involves reallocating funds from investments or retirement accounts to achieve more manageable long-term expenses.

So, to sum up: as the housing market continues to evolve, it is important for homebuyers, home sellers, and home builders/remodelers to stay informed about these trends. They can help a prospective homebuyer make strategic decisions that align with financial goals and lifestyle preferences; as well, they can help prospective sellers and builders understand what will appeal to the buyer and to the market.

May / June / July 2025

5

THIRD-PARTY VERIFIED: Enhanced Home Comfort Lower Utility Bills Better Air Quality Peace of Mind

Insulation

HVAC

Being told that your home is energy efficient is not the same as getting written verification from a home energy Rater licensed by the Residential Energy Services Network (RESNET). Home Energy Raters are trained home energy inspectors who use specialized equipment and software to inspect, test, and verify that a home has met the requirements of high-performance home programs like BUILT TO SAVE®.

Lighting

Windows

Water Heating

PROFESSIONAL HOME ENERGY RATERS ASK YOUR BUILDER IF YOUR NEW HOME HAS BEEN VERIFIED

Carroll’s Inspection Services

Chris Carroll (956) 455-7779 chris@carrollsinspectors.com www.carrollsinspectors.com

®

Certifications: Home Energy Rater; ENERGY STAR® and BUILT TO SAVE® Certifications; ICC Energy Code Ambassador; EPA Indoor airPLUS; Level 2 Thermographer; TREC Property Inspector; RESNET Member; RESNET Green Rater; Building America Partner, DOE Zero Ready Verifier, Fortified Evaluator, Mold Assessment Consultant, & Insured/ Qualified 45L Tax Credit Certifier.

TREC license #7061 | RESNET license #0003953 TDRL license #MAC1689 | ICC #8194682

Luis Barrera Cell (956) 645-1213 homeenergyratingservice@gmail.com Certifications: Home Energy Rater; ENERGY STAR® and BUILT TO SAVE® Certifications; ICC Residential Energy Inspetor/ Plans Examiner; HERS Rating for City Code Testing: Blower Door & Duct Leakage; Certificate of Occupancy (C of O); Energy Efficiency Mortgage Certification (EEM); HVAC Heat Load Calculations for Manual J, D, & F; Valley-wide Service.

®

Jorge Maldonado (956) 271-2322 jm-92@outlook.com Certifications: Home Energy Rater; ENERGY STAR® and BUILT TO SAVE® New Home Certifications, IECC Energy Code Building Inspections; Blower Door & AC Duct Testing; Weatherization Inspections.

BSI # 5298930

RESNET license #2431025

The Blower Door Test and the Duct Blaster Test are used to calculate a home’s Energy Rating Index (ERI—also referred to as the HERS score). Like miles per gallon (MPG) which measure the fuel efficiency of a car, an ERI (or HERS) score is an excellent predictor of a home’s energy efficiency—the lower the score, the higher the efficiency.

BLOWER DOOR TESTS measure the leakiness of the home’s envelope— how much air comes in and goes out through the roof, windows, doors, and other openings in the home.

Required by code after Sept. 1, 2016.

6

DUCT BLASTER TESTS measure leaks in the joints and seams of the ductwork in the heating, ventilation, and air-conditioning (HVAC) system.

Required by code after Sept. 1, 2016 unless in conditioned space.

®

ENERGY EFFICIENCY

Trained to Verify High-Performance Superior Homes A home energy Rater plays a vital role in ensuring that homes meet strict energy efficiency standards. You can trust that your home is energy efficient, but you should also verify by hiring these professionals.

These licensed professionals inspect homes during construction and perform detailed testing once construction is complete to evaluate the home’s energy performance. Using specialized equipment, such as a blower door and duct leakage tester, they measure the home's envelope and ductwork for air leakage. This testing is crucial in determining the home’s future energy usage.

During construction, these Raters conduct visual inspections at key stages, such as during framing, after insulation, and before drywall installation. Their independent oversight helps verify that builders comply with the energy code and the strict requirements of programs like BUILT TO SAVE® and ENERGY STAR®. By ensuring quality and energy efficiency, they contribute to the construction of high-performance homes that save energy and provide long-term savings, comfort, and value for homeowners.

CARROLL’S INSPECTION SERVICES (956) 544-3139 chris@carrollsinspectors.com www.carrollsinspectors.com (L-R) Chris Carroll; Dustin Chellette

ENVIRONMENTAL ENERGY IMPROVEMENTS (956) 271-2322 • jm-92@outlook.com (L-R) Jorge Maldonado; Zandra Maldonado; Carlos Guerrero; Joel Salinas

Home by Villanueva Construction

HOME ENERGY RATING SERVICE (956) 645-1213 HomeEnergyRatingService@gmail.com Luis Barrera

www.BuiltToSave.org

7

ATTENTION BUILDERS DIY BUYERS

&

DON’T MISS THE

BIGGEST

CONSTRUCTION INDUSTRY EVENT IN THE VALLEY The 2025 South Texas Builders Show is happening on Saturday, May 31, from 9:00 a.m. to 4:00 p.m. at the McAllen Convention Center.

This one-day event brings together builders, contractors, building officials, vendors, and industry professionals from across the region for a full day of networking, learning, and business-building opportunities.

Whether you’re looking for new products, services, or partnerships, the South Texas Builders Show is your chance to connect with the best in the business. From handson exhibits to expert advice and educational seminars on energy-efficient construction, you’ll find everything you need to stay ahead in the rapidly changing home building industry.

FREE ADMISSION

ONE DAY ONLY – DON’T MISS IT! Saturday, May 31, 2025

9AM - 4PM

SCAN ME!

ATTENDEES: PRE-REGISTER FOR THIS FREE EVENT AND BECOME ELIGIBLE FOR A $500 CASH CARD GIVEAWAY*

McAllen Convention Center 700 Convention Center Blvd. • McAllen, Texas 78501

For Attendance & Exhibitor Information, visit:

www.SouthTexasBuildersShow.com 8

*Booth exhibitors and Show staff personnel not eligible. Need not be present to win but must be 18 years or older. Other restrictions and qualified proof of attendance will apply. Details subject to change.

PARTIAL EXHIBITOR LIST: • AEP Texas / www.SouthTxSaves.com • Bank of South Texas / www.BankofSouthTexas.com • BUILT TO SAVE® / www.BuiltToSave.org • Capital Insiders / www.capitalinsiders.financial • Copy Plus / www.copyplusrgv.com • Electi Cabinets / www.electicabinetsupply.com • Environmental Innovations / roel.garza@eihvac.com • FEPO Machinery / www.fepomachinery.com • GBRO Trusses On Wheels / gbrotrussesonwheels@gmail.com • Generator Supercenter of The Valley / www.generatorsupercenterofthevalley.com • Habitat for Humanity of the RGV / habitatrgv.org • IDI-Insulation Distributors Inc / www.idi-insulation.com • KAUTSCH True Value / kautschtv.com • Los Pinos Hardware Company / www.lospinoshardware.com • Magic Valley Electric Cooperative / www.magicvalley.coop • Materiales El Valle / www.materialeselvalleinc.com • Matt’s Building Materials / www.mattsbuildingmaterials.com • McCoy’s Building Supply / www.McCoys.com • OJ Spray Foam Insulation / http:oj-spray-foam.square.site • Puretap Water Systems / www.puretapwatersystems.com • RGV New Homes Guide / www.rgvNewHomesGuide.com • RGV Tech Institute / www.rgvtechinstitute.com • Rio Bank / www.rio.bank • Rockwool / www.rockwool.com • Schluter Systems L.P. / www.schluter.com • Seba Windows & Glass / sebawindowsglass@gmail.com • SIGNS 2GO / www.signs2go.us • South Texas Builders Alliance / sotxba@gmail.com • South Texas College (STC) / www.SouthTexasCollege.edu • Texrite / www.texrite.com • Top Builders Supply / www.TopBuildersTexas.com • Uniblock / www.uniblock.com.mx • Valley Energy Specialist / www.InsulateRGV.com

WI`N LOTS OF

FABULOUS

GI VEAWAY PRIZES & GIFT CARDS!

To enter the giveaways, entrants must be at least 18 years of age or older. One entry per person only. All prizes are offered by individual exhibitors, not by the South Texas Builders Show. The South Texas Builders Show does not guarantee the condition, quality, listed values, or performance of any giveaway prize. Exhibitors are responsible for announcing the winners of their giveaway prizes and to arrange delivery of prizes to the winners. Terms & conditions subject to individual exhibitor’s policies.

Red denotes Show Sponsor * Exhibitor list is current as of 5-1-25

ASK ABOUT AVAILABLE BOOTHS VENDORS, TITLE COMPANIES, BANKS, MORTGAGE COMPANIES, LUMBER, & OTHERS: CALL (956) 778-3590

SPECIAL GUEST SPEAKER: Randy Plumlee IECC | HERS | LEED GR | BPI We’re excited to welcome Randy Plumlee, Senior Manager/Building Performance for SPEER (South-Central Partnership for Energy Efficiency as a Resource). SPEER is a non-profit organization focused on energy efficiency and building performance and on accelerating the adoption of energy efficient technologies and procedures in the Texas/Oklahoma region. Randy Is known for his engaging, nononsense presentations that bring useful insights into the best practices in building science, energy codes, and construction. Don’t miss his sessions—you will leave with valuable knowledge that you can put to work right away to succeed in today’s competitive housing market!

SHOW SPONSORS

9

H O M E S PAC E S

A beautiful front exterior creates a warm, lasting first impression.

Dream It. Build It. Live It:

Your Perfect Home For many new home buyers, the dream of owning a home in the Rio Grande Valley of South Texas is an exciting journey. This region, known for its warm climate, friendly communities, and growing economy, is the perfect place to establish roots. But what makes a home truly special?

Imagine a residence that blends luxury with comfort, featuring exquisite architectural details, an open and inviting layout, and ample space for family gatherings.

Now, envision taking that dream even further by custom-building your own home, designed exactly to your tastes and lifestyle.

The stunning home photos shown here are courtesy of Waldo Homes, a family-owned custom home builder founded by Luis Waldo.

Waldo Homes has earned a welldeserved reputation for building luxurious, exceptional homes and is recognized as the most awarded builder in South Texas in new home competitions.

10

www.RGVNewHomesGuide.com

A Grand Welcome: Front Exteriors

First impressions matter, and a home’s front exterior creates the foundation for everything inside. With eye-catching architecture, elegant stonework, and beautifully designed entrances, a dream home welcomes you with style.

Lush landscaping, grand doors, and thoughtfully designed lighting bring a touch of sophistication that hints at the beauty waiting inside.

Open layouts make gathering with family and friends effortless.

Designed for Life: Open Floor Plans

Today’s homeowners love open floor plans that blend kitchens, dining rooms, and living areas into one seamless space. Open layouts create a bright and airy feel, perfect for everyday living and entertaining. Whether hosting large gatherings or enjoying a quiet evening with family, open floor plans make every moment more comfortable and connected.

H O M E S PAC E S

Kitchens to Love

A dream kitchen combines beauty and function. Expansive islands, custom cabinetry, luxury appliances, and designer backsplashes transform the kitchen into the true centerpiece of the home. Thoughtful layouts provide plenty of prep space and storage, making it easy to cook meals, entertain guests, or simply enjoy a morning coffee in style.

Showstopping Curved Wrought Iron Stairways

A curved wrought iron staircase is not just a way to connect levels—it’s a striking work of art. Intricately designed iron railings, graceful curves, and custom detailing elevate the look of your home’s interior and create a stunning focal point that combines strength with beauty.

State-of-the-art kitchens designed for everyday luxury.

Spa-Like Comfort: Primary Bathrooms

Luxury living starts with a spalike primary bathroom. Walk-in showers with rain heads, dual vanities with elegant finishes, and thoughtfully placed windows for natural light create a space that’s both relaxing and practical. A well-designed primary bathroom is a private retreat where you can unwind at the end of the day.

Soaking Tubs: Relaxation Redefined

Nothing says luxury like a deep soaking tub. Freestanding tubs offer a place to escape and recharge, surrounded by beautiful tile work and calming decor. Whether you prefer a bubble bath or simply a quiet soak, having a tub that invites relaxation is an essential feature of a dream home.

Primary bathrooms offer a personal spa retreat every day.

Photos by Jose Mendez

11

H O M E S PAC E S

Bedrooms: A Sanctuary of Comfort

Dream bedrooms combine luxury, comfort, and restful design.

Bedrooms should be more than just places to sleep—they should be restful, cozy, and beautiful.

Spacious layouts, soft lighting, and peaceful color palettes help create an environment where relaxation comes naturally.

Adding seating areas or custom touches like reading nooks makes the bedroom even more personal and inviting.

Spacious Closets: Beauty and Organization

Dream homes feature spacious closets that combine practicality with luxury. Walk-in closets with custom shelving, islands, built-in drawers, and plenty of lighting not only provide the room you need for your wardrobe but also add an element of everyday convenience and elegance to your lifestyle.

Home photos by Jose Mendez

12 12

www.RGVNewHomesGuide.com

Walk-in closets provide storage, style, and convenience.

H O M E S PAC E S

Energy Efficiency and Indoor Comfort

Designer Ceilings: Elevating Every Room

While luxury and beauty are essential, today’s dream homes are also designed to be energy-efficient and environmentally friendly.

Ceilings are often an overlooked feature, but they offer an opportunity to add style and depth to a home’s interior. Coffered designs, wood beam accents, tray ceilings, and custom lighting take rooms to the next level, creating unforgettable spaces that wow from every angle.

A truly exceptional home would feature high-performance insulation, low-E windows, and energy-saving appliances to keep energy bills low while maintaining year-round indoor comfort. Smart home features like programmable thermostats and app-controlled lighting add convenience and help homeowners reduce their environmental impact.

Unique ceiling designs add dimension and style.

Outdoor Living: Kitchens and Pools

In the Rio Grande Valley, outdoor living is a must. An outdoor kitchen allows you to cook, entertain, and dine under the open sky, while a sparkling pool adds a refreshing retreat just steps from your door.

Covered patios, cozy seating areas, and beautiful landscaping transform backyards into private resorts perfect for year-round enjoyment.

LED lighting, water-saving fixtures, and efficient HVAC systems are just a few examples of the sustainability features that can be built into modern custom homes. Not only do these upgrades make your home more comfortable and affordable to operate, but they also increase its resale value down the road.

Waldo Homes, like other trusted builders featured in the New Homes Guide, focuses on delivering quality craftsmanship combined with modern energy-efficient practices—giving you the best of both worlds.

Bringing Your Dream Home to Life

The beauty of building a custom home is the ability to create a space that’s truly yours. Whether you dream of a Mediterranean-style villa, a sleek modern retreat, or a charming farmhouse-inspired home, you can make every detail reflect your style and needs.

By working with award-winning builders like Waldo Homes, you’re not just building a house—you’re creating a personalized lifestyle.

From your first meeting to movein day, they guide you through the process with expertise, creativity, and care, making sure your dream becomes reality.

Outdoor kitchens and pools create a private paradise.

Start your journey today—and let your custom dream home become a reality!

13

Superior High-Performance Home

BUILDERSDirectory A GUIDE TO THE RIO GRANDE VALLEY’S ENERGY-EFFICIENT HOME BUILDERS

BUILT TO SAVE® is an energy efficiency certification program that identifies new homes that are built to outperform minimum code building requirements. The builders who certify their homes in the BUILT TO SAVE® program voluntarily go above and beyond for their homebuyers.

BUILDERS WHO HAVE CERTIFIED HOMES IN THE BUILT TO SAVE® PROGRAM IN 2024/25 (Sorted by Quantity of Certified Homes. Visit www.builttosave.org for full details)

BUILDERS

PHONE NUMBER

WEBSITE / EMAIL

2025 LEADING ENERGY EFFICIENT BUILDER SEALS

2025

2025

1

VILLANUEVA CONSTRUCTION .......................... www.VillanuevaHomes.com m (956) 232-9919 ................................................ stephanie@villanuevahomes.com

AFFORDABLE HOMES OF SOUTH TEXAS ....... www.AHSTI.org

2025

2

m (956) 687-6263 ................................................ info@ahsti.org

2025

3

CAZA GROUP..........................................................www.cazargv.com m (956) 221 0992 .................................................. build@cazagroup.com

4

DIVINE CUSTOM HOMES................................... www.DivineCustomHomes.net

2025

m (956) 467-1111 ................................................... olga@divinecustomhomes.net

5

IAH CONSTRUCTION LLC ................................... www.iahconstructionllc.com m (956) 456-8101 / (956) 778-8034 ................... nathan.mireles@iahconstructionllc.com

6

m (956) 330-4112 ................................................. oscar_meza_ jr@yahoo.com

7

m (956) 382-1144 or (956) 460-6344 ................ rushmoreconstruction@yahoo.com

8

m (956) 874-3686 ................................................ treasurebuilders@att.net

RGV BUILT LLC

RUSHMORE CONSTRUCTION ........................... www.rushmoreconstructionrgv.com

TREASURE BUILDERS........................................... www.treasurebuildersllc.com

MAGIC VALLEY ELECTRIC COOP IS A PROUD SPONSOR OF THE BUILT TO SAVE® PROGRAM.

To become a BUILT TO SAVE® Builder Member, go to https://www.builttosave.org/registration/builder

14

BU

I LT I N 2 0 2 4

bui l tto s ave.org Not all the homes in the Rio Grande Valley are built the same. A homebuyer’s best option to make sure their new home will be built to above-code standards is by finding a builder that is a member of a High-Performance Home Verification Program like BUILT TO SAVE®.

With the help of this program and third-party inspectors, builders are guided through the process of building homes of superior quality and energy efficiency.

As a result of this, YOU, the homebuyer, get to enjoy the benefits below!

HOM EBUYER CAZA GROUP

LOWER BETTER MORE UTILITIES AIR QUALITY COMFORT

Benefits

4Lower Utility Bills

4Less Maintenance

4Enhanced Home Comfort

4Higher Resale Value

4Better Indoor Air Quality

4Third-Party Inspected & Tested

4Tighter Home Construction

4Knowledge That Home Is Built Above Code

4More Durability

4Lasting Peace of Mind

BUILT TO SAVE® PROGRAM MEMBERS WITH HOMES IN THE PROCESS OF BEING VERIFIED Listed in alphabetical order

BUILDER MEMBER

WEBSITE

EMAIL

ALSA CUSTOM HOMES LLC (956)460-3095 .............................................................. www.alsacustomhomesllc.com.............................info@alsacustomhomesllc.com BELLISSIMO BUILDERS (956)222-0721 ................................................................ www.bellissimobuilders.com.................................bellissimobuilders@gmail.com BLACK WOLF CONSTRUCTION (956) 230-5555 .............................................................. www.blackwolfconstruction@hotmail.com BRITO CONSTRUCTION (956) 540-5557 .............................................................. www.britoconstruction.com ..................................info@britoconstruction.com MONARCH HOMES (956) 215-4079............................................................... www.monarchhomesrgv.com................................info@monarchhomesrgv.com WALDO HOMES (956) 466-8590 / (956) 777-3677 ................................ www.waldohomesrgv.com .....................................luiswaldo@yahoo.com

For a full list, including newly registered builders, go to www.BuiltToSave.org

ASK IF YOUR HOME IS ENROLLED IN THE BUILT TO SAVE® PROGRAM.

H O ME B U Y ER

Must-Knows

Not every builder in the BUILT TO SAVE® Program verifies every single home as BUILT TO SAVE®. It is the homebuyer’s responsibility to request this before their home is built.

Not all homes are built to equal standards. Most builders build only to bare minimum building codes.

There is no legal requirement that they be constructed to highperformance home standards.

If your builder certified your home in the BUILT TO SAVE® Program, you will receive a certificate as proof that the home met all the requirements of a high-performance home–an invaluable document if you decide to sell your home.

Home Builder

Address Name

Issue Date

Certified

Rater Signatu

re

May / June / July 2025

Refere

nce #

15

FINANCING

A First-Time Buyer’s Guide to

Getting a Construction Loan Sponsored by Bank of South Texas

Building your dream home from the ground up is an exciting journey—but it’s also one that requires the right financial foundation. For firsttime buyers, getting a construction loan can feel overwhelming.

But with the right lender and a clear understanding of the process, you can move forward with confidence.

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(L to R) Hector J. Monita, Vice President / Bank of South Texas; Julio Carranza, Builder / CJE Construction, LLC

WHAT IS A CONSTRUCTION LOAN? A construction loan is a shortterm loan that covers the cost of building a home. Unlike a traditional mortgage, which is used to buy an existing home, construction loans are paid out in stages as the work on your home progresses. These payments, known as “draws,” go directly to the builder or

contractor after being approved by the bank and the homeowner.

STEPS TO GETTING A CONSTRUCTION LOAN

with a Budget 1 Start Before applying, determine

how much you can afford.

Creating a detailed budget upfront will help you stay on track and avoid financial surprises later.

FINANCING

2 Choose the Right Builder

Lenders require a licensed, experienced builder and will ask for plans, timelines, and cost estimates. Choose someone with a solid reputation and experience building your type of home.

Pre-Qualified by a 3 Get Mortgage Company The homebuyer must get prequalified by a mortgage company.

This pre-qualification shows the builder and the bank that the buyer is financially capable of securing a permanent mortgage once the home is completed.

a Construction 4 Submit Loan Application to the Bank After pre-qualification, a construction loan application is submitted to the bank with the required information on the construction project such as: the builder’s contract, home plans, cost breakdowns, and insurance details.

5 Loan Approval and Draw Schedule Once approved, the bank sets up the loan and funds construction in stages. Inspections are done before each payment to keep the project on track.

6 Construction Is Completed

Once your home is finished and passes final inspection—confirming it meets building codes and is ready to occupy—the construction loan ends. At that point, the

Thanks to the successful partnership between CJE Construction and Bank of South Texas, Bicentennial Townhomes—a luxury project on Bicentennial Boulevard in McAllen—is rising quickly. Together, both builder and lender are turning plans into gorgeous townhomes!

mortgage company pays off the construction loan balance, and your permanent mortgage begins.

You’ll start making monthly payments based on the terms set during approval. From this stage forward, your home transitions from a project under construction to your officially completed residence.

WHY CHOOSE BANK OF SOUTH TEXAS?

Bank of South Texas has earned a reputation as a preferred lender for construction loans across South Texas. Known for their trusted friendly, fast, and efficient service, they understand the local market and work closely with both buyers, builders, and mortgage companies to make the loan process smooth from start to finish.

Their team is well known among builders and mortgage professionals, which means you’re working with a lender that has strong, established relationships in the industry.

Whether you’re building in a new community or on your own land, they’ll guide you through every step of the way.

First-time buyers often have a lot of questions—and that’s okay. The experienced loan officers at Bank of South Texas are ready to answer them all and help you make informed decisions about your construction loan.

READY TO BUILD?

If you’re dreaming of a brandnew home tailored to your needs, don’t let the loan process hold you back. With the right guidance and support, building your first home is completely within reach.

Contact Bank of South Texas today to learn more about their construction loan options, and start building the home you’ve always wanted.

Visit www.bankofsouthtexas.com or stop by a branch near you. See ad on page 1.

Bank of South Texas is a Member FDIC and an Equal Housing Lender. Rated A+ by the Better Business Bureau.

May / June / July 2025

17

H O M E S PAC E S

SPONSORED BY MATERIALES EL VALLE, INC.

(956) 800-8889 • (956) 212-4132 www.VillanuevaHomes.com info@villanuevahomes.com k @VillanuevaHomes Q Villanueva Construction E Martin Villanueva, Builder/Owner

A

t the top of the list of reasons for Materiales El Valle’s popularity is its millions of square feet of product inventory and thousands of square feet of showroom space with beautiful full-sized displays and samples of products including brick, ceramic tile, glass mosaic tile, handmade Saltillo tile, roof tile, porcelain, marble, Travertine, Cantera, engineered stone, and wood flooring. If a product makes your home stand out from the ordinary, the company almost certainly has it in stock—and in large supply.

And what could go better with the largest inventory? How about the best prices! The company’s long-standing history with name-brand manufacturers is a major part of its success. Because of those relationships, Materiales El Valle is able to not only offer lower prices; more importantly, the company is able to introduce the latest trending products, which may explain why so many builders win awards for homes that use materials that are often new to the market.

No matter how good products are and how inexpensive they may be, shoppers, however, tend to place greater value on how they are treated and whether they can rely on their vendor to be there for them. And that’s where the company excels—customer service. Combined with their many years of knowledge and experience, Materiales El Valle’s staff provides a friendly, personal service that makes buyers feel like family…because in the company’s eyes, they are. And that keeps customers coming back.

A

A Lagoon 8” X 48”

B

C

C

C B Sunken Ivory 8” X 48”

C Sunken Ivory 8” X 48”

BUILDERS: We’d love to see your creativity using Materiales El Valle products. Tag @MaterialesElValleInc and @RGVNewHomes on Inst 18

“

H O M E S PAC E S

For nearly 40 years, Villanueva Construction has relied on Materiales El Valle to enhance the quality and appeal of our homes. Their extensive inventory of stylish tile and natural stone—always in line with the latest design trends—adds elegance and distinction to every build. Their excellent pricing allows us to offer homes that remain affordable without sacrificing luxury or construction standards. More than just a supplier, Materiales El Valle is a trusted partner whose dedication and reliability have been vital to our success. Their team has become like family, always supporting our mission to deliver excellence and value to our clients.

VISIT OUR FULLY-STOCKED RGV SHOWROOMS!

–MARTIN VILLANUEVA

“

DONNA, TX: 931 West Expwy. 83 / (956) 464-5152 EDINBURG, TX: 3910 S. Jackson Rd. / (956) 994-8550

E

PALMVIEW, TX: 1020 W. Palma Vista Dr. / (956) 581-1109

C

D

F

D Aura Grey 24” x 24”

DOWNLOAD THE MEV APP STEP 1

Scan QR Code with your phone camera

F E

E

STEP 2

E Biology Walnut 8” X 48” F Striato Beige 24” X 48”

Open the link

C Sunken Ivory 8” X 48” Tap

STEP 3

then add to home screen

H G

Rosalio Espinoza, Materiales El Valle Owner

G Madera Mangata Natural 8” X 36”

H Voga Aquamarino 3” X 12”

See a full gallery of homes that used the company’s products online at www.rgvNewHomesGuide.com and get inspired to add some bling and excitement to your next building or remodeling project.

tagram for a chance to be featured!

19

BUILDING INDUSTRY NEWS

Training Tomorrow’s Builders, Today: STC Connects Students with Industry Experts

South Texas College’s Construction Supervision Program recently hosted a Construction Trades Expo at its Technology Campus in McAllen, Texas, on March 26. The event featured exhibits from local construction professionals who shared their knowledge and expertise with students enrolled in the program.

The Construction Supervision Program at STC is designed to expand and enhance educational opportunities for students. Its mission is to train students not only to provide for their families but also to positively impact the growth of the Rio Grande Valley. The program is committed to transforming the construction industry one student at a time—empowering them to succeed whether they work for others or run their own projects.

South Texas College extends sincere gratitude to everyone who participated in and supported the 2025 Construction Trades Expo. The event was a great success, thanks to the generous support of sponsors, participants, and attendees.

Special thanks to the participating companies: • Matt’s Building Materials

• Meg Engineering

• McCoy’s

• Esperanza Homes

• Floor & Décor

• D. Wilson

• Rivera Machinery

• Fire Systems

• Schluter Systems

• Edcouch-Elsa High School

• Lowe’s

• Sharyland High School

• Armored Painting Company

• Simpson

• Materiales El Valle

• All South Texas College Programs

This year’s Expo featured more than 30 presenters and welcomed over 150 attendees.

With numerous prizes, giveaways, and plenty of food, everyone had a fantastic time. STC’s Construction Supervision students played a key role in hosting and engaging with attendees, while instructors Israel Medrano, Erasmo Luna, and Sam Saldana led the event with enthusiasm and professionalism.

The core mission of the Expo is to promote the trades and reinforce STC’s commitment to preparing students with the hands-on skills and knowledge they need to build successful careers. At the heart of the program is its guiding motto: “We are changing the face of construction, one student at a time.” This passion fuels the program’s daily efforts to provide students with the best possible education and career opportunities.

STC also offers heartfelt thanks to all its partners for their continued support through sponsorships and scholarships. As the college enters scholarship season, it invites anyone interested in supporting its mission to consider contributing to the scholarship fund to help expand educational access for future builders.

For more information or to make a donation, please contact: Israel Medrano Email: Imedrano_0155@southtexascollege.edu Office: 956-872-6262 / Cell: 956-756-5452

• And all other guests who helped make this year’s event a memorable experience.

20

RGVNewHomesGuide.com | May / June / July 2025 | Vol. 33.2 | For advertising call (956) 778-3590

LET’S BUILD TOGETHER BUILDING TRADES EXPO

MARCH 26 | 9 A M — 1 P M

. . . .

T E C H N O L O GY C A M P U S , B L D G . E , R M . 1 . 5 0 8 3 7 0 0 W. M I L I TA R Y H W Y. , M C A L L E N F O R M O R E I N F O R M AT I O N , C A L L 9 5 6 - 8 7 2 - 6 2 6 2 .

BUILDERS:

GET IN-STORE CREDIT FOR BECOMING A MEMBER OF THE BUILT TO SAVE PROGRAM ®

Materiales El Valle provides incentives* to its builder customers who join the BUILT TO SAVE® High-Performance Home Program and verify that their homes are built to standards superior to minimum code requirements.

BUILT TO SAVE® awards “high-performance” certifications to new homes inspected, tested, and verified by a licensed, independent thirdparty Home Energy Rater.

PARTNER WITH MATERIALES EL VALLE TO BUILD HOMES THAT STAND OUT IN BEAUTY, PERFORMANCE, COMFORT AND VALUE! JOIN BUILT TO SAVE® Ask a Materiales El Valle representative for details about this WIN-WIN opportunity. *Terms & Conditions Apply / Limited Time Offer

www.MaterialesElValleInc.com

www.BuiltToSave.org Text / call (956) 778-3590

Est.

22

RGVNewHomesGuide.com | May / June / July 2025 | Vol. 33.2 | For advertising call (956) 778-3590

It’s where you hang your hat. But at the end of the day, we’re talking about an investment in your future. Get peace of mind in a High-Performance home.

They’re built to improve comfort and indoor air quality, while helping your family save. Plus, ENERGY STAR® certified homes use 20% to 30% less energy than typical new homes. You get all the perks you want – and built-in value that lasts.

Find a builder at SouthTXSaves.com.

BUILD A HOME THAT WORKS AS HARD AS YOU DO

For advertising call (956) 778-3590 | Vol. 33.2 | May / June / July 2025 | www.RGVNewHomesGuide.com

23

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RGVNewHomesGuide.com | May / June / July 2025 | Vol. 33.2 | For advertising call (956) 778-3590

2025

2025

LEADING

Energy-Efficient

BUILDERS

2025

2025

BU

Villanueva Construction

(956) 800-8889 | rosendo@villanuevahomes.com www.VillanuevaHomes.com

I LT I N 2 0 2 4

Villanueva Construction, founded in 1985, is a trusted leader in energy-efficient homebuilding. With eight consecutive Outstanding Achievement Awards for building the most BUILT TO SAVE® verified homes every year, they’ve set the benchmark in building verified high-performance homes. Known for exceptional quality, energy savings, and value, their homes go beyond minimum standards—offering luxury as a standard feature. Guided by founder Martin Villanueva’s hands-on leadership, the company delivers long-term value through lower utility bills, healthier indoor air, and lasting durability.

Affordable Homes of South Texas, Inc.

2025

(956) 687-6263 | info@ahsti.com www.ahsti.com

Affordable Homes of South Texas, Inc. (AHSTI), a 501c3 non-profit, has helped low-income families in the Rio Grande Valley own affordable, energy-efficient homes for nearly 50 years. Every home they build is verified as a high-performance home meeting ENERGY STAR® standards, and many

AFFORDABLE HOMES of SOUTH TEXAS, Inc.

are also BUILT TO SAVE® certified. AHSTI offers services like homebuyer education, bilingual counseling, emergency repair grants, and financing. Their dedication has earned EPA recognition and ensures families enjoy comfort, energy savings, and long-term homeownership stability.

Divine Custom Homes

2025

(956) 467-1111 | olga@divinecustomhomes.net www.DivineCustomHomes.com Led by Olga Treviño, DIVINE Custom Homes is a leading builder of high-performance homes in the Rio Grande Valley. Every home they build is ENERGY STAR® qualified and enhanced with the EPA’s Indoor airPLUS certification for superior indoor air quality—ideal for those with asthma or allergies. In Magic Valley Electric Cooperative communities, their homes are also BUILT TO SAVE® verified, ensuring energy savings and lasting value. With a strong focus on health, comfort, and quality, DIVINE has been delivering homes that go beyond efficiency to offer truly exceptional living since 1997.

CAZA Group

2025

(956) 221-0992 • 435-2375 | build@cazaRGV.com Since 2019, CAZA Group has built a strong reputation in the Rio Grande Valley for crafting BUILT TO SAVE®-certified high-performance homes. Led by builder Armando Castro, CAZA prioritizes transparency, energy efficiency, and quality craftsmanship. Armando’s hands-on approach ensures clear communication, precise construction, and a customer-first experience from start to finish. Each CAZA home reflects innovation, long-term value, and a commitment to healthier, more sustainable living. With a focus on integrity and after-sale support, CAZA Group continues to raise the bar in custom home construction.

May / June / July 2025

25

HOMEBUYING ADVICE

The Hidden Costs of Homeownership— And How to Avoid Them Buying a home is one of the biggest financial decisions most people will ever make. While the sale price and mortgage are obvious costs, many new homeowners are surprised by hidden expenses that can quickly add up. From high utility bills to unexpected maintenance, these costs can impact your budget—and your comfort—if you’re not prepared. Here’s what to watch out for, and how to avoid them.

1

Energy Bills That Keep Climbing

One of the most common hidden costs of homeownership is your monthly energy bill. Heating and cooling make up the largest portion of energy use in most homes. If your home is not energy efficient, you’ll pay more every month—often hundreds more per year—than necessary.

Older homes or those built to only meet minimum building code standards typically lack proper insulation, have leaky ductwork, and include inefficient appliances or windows. These issues can cause your HVAC system to work harder than it should, driving up your energy use.

2

Poor Insulation and Air Leaks

Many homeowners don’t realize how much insulation—or the lack of it— impacts their comfort and their wallet.

Poorly insulated walls, roofs, and attics let conditioned air escape and allow outdoor temperatures to creep inside.

Air leaks around windows, doors, and plumbing penetrations also contribute to drafts and moisture problems, leading to discomfort and higher energy bills.

The cost of fixing these issues later— adding insulation, sealing air leaks, or replacing inefficient systems—can be

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significant. It’s far better to invest in a well-built home from the start.

3

Built to Minimum Code Isn’t Built for HighPerformance

Just because a home is “code compliant” doesn’t mean it’s built for long-term performance. Minimum code is just that—the lowest level of quality a home can legally have.

These homes often meet the basics for structure and safety, but they don’t go above and beyond in terms of energy efficiency, comfort, or durability.

Over time, that can mean higher repair and utility costs, more frequent equipment replacements, and a less comfortable living environment.

4

How to Avoid These Hidden Costs

The best way to avoid surprise expenses is to invest in a verified high-performance home. These homes are inspected during construction and tested upon

completion by independent licensed energy raters to meet standards well above minimum code.

Programs like ENERGY STAR® and BUILT TO SAVE® certify that a home has better insulation, tighter construction, high-efficiency heating and cooling systems, and proper ventilation. Not only does this mean lower utility bills, but also a more comfortable, durable, and healthier home.

Before buying, ask the builder if the home is ENERGY STAR® or BUILT TO SAVE® certified. Request third-party verification reports and energy rating scores. These are your proof that the home was built to perform—and to save you money.

Bottom line: A home that looks good on the outside can cost you thousands more in hidden expenses if it’s not built right. Ask the right questions, choose a high-performance home, and enjoy lower bills, fewer surprises, and peace of mind for years to come.

Marketing POWER from

Magic Valley Electric Co-op

INCENTIVES for DEVELOPERS & BUILDERS MAGIC VALLEY ELECTRIC COOPERATIVE (MVEC) is committed to reducing energy usage and utility costs to ensure reliable and affordable electricity for its member-owners. It strives to improve the quality of life for residents of the Rio Grande Valley by providing incentives and marketing assistance to builders and developers selling homes or lots in MVEC new home communities. Take advantage of these effective and beneficial marketing opportunities.

REBATES FOR BUILT TO SAVE® HIGH-PERFORMANCE HOMES

For Builders

2025

As sponsors of BUILT TO SAVE®, a regional high-performance home program, MVEC has helped to improve the quality of new home construction with its rebate program for builders who build verified energy-efficient homes.

MVEC BU ILT HIGH-PERF TO SAVE® REBATE S PROGRA ORMANC

The MVE C BUILT TO E HOME M FOR SAVE® Reba participate CERTIFICA tes Program in the BUILT TIONS offers cash TO SAVE ® Jan. 1, 2025 incentives and/or ENER and Dec. to home build GY STAR ® 31, 2025. ers that programs The home FINANCIA for new home s must be L INCENTIV served by s between Magic Valle ES - PAID TO BUILDERS y Electric $200 Per Cooperativ Single

e.

-Family Home

: BUILT TO SAVE® Energ y Rating Index y Home: BUILT of 63 - 55 TO SAVE® or 10% - 20% Energy Rating Energy Saving Index of 54 y Home: BUILT s Over Code - 50 or 16% TO SAVE® - 25% Energ Energy Rating y Savings um for Energ Index of 49 Over Code y Star® Versio & Below or 26+% Pump Water n 3.0 Certifi Energy Saving cation Heater Rebat s Over Code e / $250 e for Install Heat Pump ing a NEST Central System Thermostat s Rebate

$225 Per $300 Per

Single-Famil

Single-Famil

$100 Additi $250 Heat

onal Premi

$ 50 Rebat

Rebates are limited and available new home on a first come, must be vertified first serve basis until in the BUILT from the previous funds earmark TO SAVE ® year. The ed for the and/or ENERG home builder Program are Program are Y STAR ® Program is required depleted or subject to to adhere between January the Program change without to the guidelin is terminat 1, 2025 and notice. A current es of the Program ed. To qualify December W-9 form for a rebate, 31, 2025 or , and the new must be submitte the have been home must d by the builder approved be served as a carryove

by MVEC. to receive r The terms funds from and conditio MVEC. ns of the

BENEFITS

OF THE BUILT

TO SAVE ® • Differen PROGRAM tiation from FOR BUILD builders who • A “ONE-S are only building ERS TOP” source to code for marketi • Rebates • Leverag ng tools and / cash incentiv ed marketi resources es from utility ng with BUILT campaigns • Education companies TO SAVE® in print and of homebu ad online yers on the BUILT TO • Opportu SAVE ® home benefits of nities to partner owning a lot/home with develop sales ers to promot e • Complia nce with the State of Texas energy BENEFITS code

The BUILT TO SAVE® program for new home builders is a voluntary program that awards “high-performance” certificates to new homes built to energy-saving standards that are above the minimum building code standards required by law. MVEC provides a variety of monetary incentives paid directly to builders of BUILT TO SAVE® verified homes based on the energy efficiency HERS rating of their homes. Each BUILT TO SAVE® home is inspected during construction and tested upon completion by an independent RESNET licensed Home Energy Rater to verify that the home meets the strict requirements of the program in order to qualify for the BUILT TO SAVE® certificate. For more information, email: info@builttosave.org.

OF THE BUILT

TO SAVE ® • More savings PROGRAM on utilities FOR HOM over a similar • Tighter EBUYERS construction minimum-code with better home • • Increased indoor air More durable home comfort quality construction from properl • Properly with less • Potentia y-sized A/C installed insulatio maintenance l for increas units and home ed resale n for maximu certificate--proo comfort m perform f of a high-pe value with a BUILT ance TO SAVE® • Peace of rformance mind home home energy from knowing a licensed Rater inspect ed and tested, independent the home

MVEC BUIL T TO SAV REBATE E® PROGRA M CONTAC

JOHNATH AN

Busine

SLOSS

T

ss Developme nt Representa Ofc: (956) tive 289-4055 / Cell: (956) jsloss@magic 532-5901 valley.coop

For inform ation on the BUILT TO BuiltToSave SAVE® Progra .org or contac email: info@ m, go to builttosave.o t Jose R. Vielma (956) 778-3590; rg

BTS- 1-2025

Home by Treasure Builders

Private Half-ACRE LOTS IN GATED COMMUNITY

Only 2 lots left on Freddy Gonzalez in Edinburg—between McColl Rd. & N. 10th St.—don’t miss your chance to build big!

Call (956) 570-6680 to reserve your lot now!

(L-R) MAGIC VALLEY ELECTRIC COOPERATIVE: Johnathan Sloss / MVEC Business Development Representative; Leo Villarreal / Mac Leo Enterprises

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ALBERTA HEIGHTS LANDING NOW OP Homes from $280

PEN

DISCOUNTS FOR CO-OP ADVERTISING IN RGV NEW HOMES GUIDE

QUALIFYING FOR MVEC OFFERS

RGV New Homes Guide, a quarterly printed and digital magazine in the Rio Grande Valley, provides marketing opportunities for developers of new home communities in MVEC’s territory.

BUILT TO SAVE® REBATES – The BUILT TO SAVE® program is responsible for determining the eligibility of builder rebates.

The rebate amounts are determined by the home’s HERS score as documented and verified by the builder’s third-party Home Energy Rater.

For Developers

1) RGV NEW HOMES GUIDE COMMUNITY ADS

Developers with a community located in MVEC’s territory qualify for a rebate of $75 on their community ad in the RGV New Homes Guide. Community ads are ¼-page horizontal ads that provide an “at a glance” look at all of a community’s important information and provide traffic and sales leads.

2) RGV NEW HOMES GUIDE DISPLAY ADS

Developers advertising their MVEC community may qualify for a $300 rebate on their display ad available in half-page and full-page sizes.

Distribution includes a digital and printed magazine as well as social media promotions on Facebook, Pinterest, Instagram, and Twitter. Visit rgvNewHomesGuide.com /magazine for a look at the RGV New Homes Guide.

Email: info@acrossmediamarketing.com for advertising information.

To qualify for all of the offers shown here, builders and developers must be building or developing in a MVEC community. All offers are on a “funds available” basis and require pre-approval. See below for additional conditions.

RGV NEW HOMES GUIDE ADS – Co-op marketing rebates for advertising in the New Homes Guide requires branding with the “Powered by MVEC” logo. Artwork fees are not included.

DRONE VIDEOS – This is a one-time offer for new home communities that are under development or newly developed and includes the cost of production. Drone videos are to be produced by Across Media Marketing, LLC and branded with the “Powered by MVEC” logo. Existing new home communities must have 80% of lots still available for construction to qualify.

SIGNAGE – Artwork for community sign to be provided by MVEC in collaboration with Across Media Marketing, LLC. MVEC will provide a pre-determined amount based on the sign’s specifications to help cover the art fee. Installation of signage is the developer’s responsibility. Signage is required to be branded with the “Powered by MVEC” logo.

For more information about rebates, contact: Johnathan Sloss MVEC Business Development Representative

(956) 289-4055 / email jsloss@magicvalley.coop

3) DRONE VIDEOS FOR MVEC COMMUNITIES

Drone videos will give potential buyers a bird’s eye view of a community and its surrounding area. These videos will capture the look and feel of a community, thus giving viewers a comprehensive view of the “lay of the land” and nearby attractions. MVEC will provide a complimentary drone video for qualifying communities located in MVEC’s territory.

® HIGH-PERFORMANCE VERIFIED For more information on BUILT TO SAVE® contact: Jose Vielma / Program Director

(956) 971-9700 / email info@BuiltToSave.org www.BuiltToSave.org

4) SIGNAGE FOR MVEC COMMUNITIES

A community sign will make it easier to find a community and will assist by providing a 24/7 sales tool offering sales and contact information. MVEC offers assistance in producing entrance signage for communities in MVEC’s territory.

Call for details.

DIGITAL & PRINT MAGAZINE Text or call (956) 778-3590

email info@AcrossMediaMarketing.com www.rgvNewHomesGuide.com

29

ENERGY EFFICIENCY

Why Energy Ratings Matter When Buying a Home A buyer’s guide to HERS scores, high-performance homes, and trusted programs like BUILT TO SAVE®, AEP Texas High-Performance Homes Program, and ENERGY STAR®.

When you’re shopping for a new home, you probably focus on location, layout, price, and maybe even the size of the backyard. Most shoppers make buying decisions based on the home’s aesthetics: exotic granite countertops, beautiful flooring, designer lighting fixtures, and other features that have nothing to do with what every buyer should be more concerned about—the home’s performance.

More important features are things like the home’s utilities costs, indoor air quality, durability, and resale value.

The best way to shop for a home is to look for one that is verified as a high-performance home.

Why? Because a verified highperformance home is inspected during construction and tested after completion to confirm that the home meets the lowest energy ratings and other strict criteria for a more efficient, money saving, and 30

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comfortable living environment.

Energy ratings give you a clear picture of how efficient a home is— and how much it could cost you to live in it month after month.

score of 50 is 50% more efficient— and so on. Lower HERS scores mean lower utility bills, better indoor comfort, and even higher resale value.

What Is an Energy Rating? Why Energy Ratings An energy rating measures how Matter efficiently a home uses energy for heating, cooling, lighting, and other systems. It gives a clear picture of how efficient a home is—and how much it could cost you to live in it month after month. The most common rating used in new homes is the HERS® Index Score—short for Home Energy Rating System.

Think of the HERS Index like a miles-per-gallon sticker for your car, but for your home. In this case, however, the lower the score, the better. A typical home built to 2006 energy efficiency standards scores 100 on the HERS® Index. A home with a score of 70 is 30% more energy efficient. A home with a

Buying a home is one of the biggest investments you’ll ever make. An energy-efficient home can save you thousands of dollars over time in

ENERGY EFFICIENCY

utility costs. But it’s not just about savings—energy ratings also tell you a lot about a home’s overall quality.

Homes with good energy ratings are built tighter, with better insulation, advanced HVAC systems, and tested air sealing. This means: ✓ Fewer drafts ✓ Better indoor air quality ✓ Longer-lasting equipment ✓ More consistent temperatures And here’s the key: energy ratings aren’t based on guesswork.

Licensed home energy raters test and inspect each home to make sure it meets high-performance standards.

Look for Verified HighPerformance Homes

Not all homes are built the same.

Some builders voluntarily go beyond basic building codes to construct high-performance homes that are verified by trusted programs. Here are three programs you should know about: 1. BUILT TO SAVE® Program The BUILT TO SAVE® program is designed specifically for the South Texas region. It helps homebuyers find homes that are built better and save energy. Every home in the program must pass inspections and testing by an independent licensed home energy rater. These homes must meet strict energy efficiency standards that go beyond what minimum building code requires. Builders who verify their homes as BUILT TO SAVE® are eligible for cash rebates from Magic Valley Electric Cooperative for homes built in MVEC territory.

When you see the BUILT TO SAVE® certification, you can be confident the home is built to perform— offering better comfort, lower energy bills, and greater durability.

2. AEP Texas High-Performance Homes Program AEP Texas offers a HighPerformance Homes Program that encourages builders to construct homes that use less electricity.

Builders in this program work with certified energy raters to ensure each home meets efficiency standards. Homes in this program have lower HERS scores, energy-saving equipment, and upgrades that improve air quality and comfort. AEP Texas provides incentives for builders who complete the requirements of its program for homes in the communities it serves.

energy efficient than a standard new home—and often much more. Like the other programs, ENERGY STAR® homes must pass inspections and testing by certified raters.

3. ENERGY STAR® Certified Homes ENERGY STAR® is a national program backed by the U.S. Environmental Protection Agency (EPA). An ENERGY STAR® certified home is at least 10% more

Before you buy your next home, ask the builder or seller for the HERS Index Score and whether the home is certified by BUILT TO SAVE®, AEP Texas HighPerformance Homes Program, or ENERGY STAR®. These ratings and certifications give you confidence that your home is not only beautiful, but built to a higher standard of energy efficiency and comfort.

These homes include highefficiency HVAC systems, advanced insulation, and windows that reduce heat gain.

ENERGY STAR® is a trusted label that homebuyers nationwide recognize for quality and energy savings. Builders of ENERGY STAR® verified homes qualify for federal tax credits.

Final Thoughts

Remember: a home that costs less to operate, feels better to live in, and holds its value longer is always a smarter buy!

May / June / July 2025

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RISE ABOVE ALL THE REST

Look for a home that’s verified as

BUILT TO SAVE®

If you are building or buying a new home, don’t settle for minimum standards. Ask your builder if they build homes with any of these high-performance certifications.

Ask for the certificate. You’ll enjoy savings on utilities and living in a healthier home.

DOE ZERO ENERGY READY HOME

This certification is awarded to homes that meet all of the criteria of the Department of Energy’s Energy Ready Home National Program.

These homes are verified to be at least 40%-50% more energy efficient than a typical home. Zero Energy Ready Homes are so efficient that incorporating a renewable system can offset most or all annual energy consumption. Visit energy.gov for more information.

The BUILT TO SAVE® energy efficiency program identifies new homes built to superior standards and outperform similar homes built only to minimum code.

HIGH-PERFORMANCE FEATURES:

ENERGY STAR®

The ENERGY STAR® is a national program administered by the Department of Energy in conjunction with the Environmental Protection Agency. To earn the ENERGY STAR® certification, homes must meet strict construction and energy efficiency criteria verified by a third party. An ENERGY STAR® qualified home consumes less energy than a similar home built to code and provides better durability, more comfort, cleaner indoor air, and reduced maintenance costs. Visit energystar.gov for more information.

INDOOR AIRPLUS

The Indoor airPLUS is a program of the Environmental Protection Agency and is a companion label that can only be awarded to a home that has qualified for the ENERGY STAR® or Zero Energy Ready Home programs. The construction and system requirements of the Indoor airPlus program are designed to reduce contaminants in order to improve indoor air quality, including mold, moisture, radon, carbon monoxide, toxic chemicals, and other detriments found in poor air quality. Visit epa.gov for more information.

BUILT TO SAVE® — Best Value!

The BUILT TO SAVE® program is a regional energy efficiency program designed to identify a high-performance home that is “superior to code.” To receive the BUILT TO SAVE® certification, the builder must be a member of the program and the home must be inspected before drywall is installed, and tested at the completion of construction to verify that the air leakage requirements of the program are met. A BUILT TO SAVE® certification means: low utility bills, a properly sized A/C unit for a more comfortable home, better indoor air quality, and less maintenance–all with the potential for a higher resale value. Visit BuiltToSave.org for more information and to find a builder.

Home by Villanueva Construction

BUILT TO SAVE® verified homes are inspected and tested by an independent third-party RESNET certified energy Rater.

Blower door & duct leakage testing equipment.

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Find a BUILT TO SAVE® Builder: www.BuiltToSave.org

Our mission at Habitat for Humanity is to create a world where everyone has a safe, decent, and affordable place to call home.

Thanks to the generosity of sponsors and donors, we've helped families move into their forever homes, giving them hope and stability.

To continue supporting families in need, we invite you to give back today by scanning the QR code.

Every contribution makes a difference in building a brighter future for those in need.

For more information, contact: Trisha Watts at 956-686-7455 or trisha@habitatrgv.org 33

FINANCING

A Homebuyer’s Guide to Getting a Loan for Your New Home Securing a home loan is a major step toward buying your dream home, but it can feel overwhelming. With the right preparation and knowledge, you can navigate the process successfully. Here’s a simple guide to help you prepare and increase your chances of approval.

Step 1: Determine Your Budget.

Start by figuring out how much you can afford. Lenders evaluate this using your debt-to-income (DTI) ratio, which compares your monthly debt payments to your gross income.

A lower DTI ratio can improve your chances of approval. You can estimate your budget using an online mortgage calculator, which helps you understand how loan terms, interest rates, and down payments affect your monthly payment.

Step 2: Check Your Credit Score.

Your credit score plays a crucial role in determining the loan terms you qualify for. A higher score often translates to lower interest rates and better options. If your score needs improvement, focus on paying down debts, avoiding late payments, and disputing any errors on your credit report. Be patient, as improving your credit can take time but significantly impact your loan terms.

Step 3: Save for a Down Payment. Saving for a down

payment is essential. While the standard range is between 3-20% of the home’s price, first-time buyers may qualify for down payment assistance programs. These programs can reduce the amount you need upfront and help make homeownership more accessible.

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Step 4: Research Loan Options.

There are various loan types to consider, including:

Conventional Loans: Ideal for those with strong credit FHA Loans: Backed by the Federal Housing Administration, suitable for buyers with lower credit scores VA Loans: Available to eligible veterans and military members, often with no down payment required USDA Loans: Designed for rural or suburban homebuyers, offering low-interest options

Step 5: Get Pre-Approved. Getting

pre-approved for a mortgage shows sellers that you are a serious buyer and provides a clearer understanding of your budget. During this process, lenders will require the following documents: Pay stubs from the past 30 days Tax returns and W-2s for the last two years Bank statements from the last 2-3 months Proof of additional income (e.g., bonuses or alimony) A valid photo ID and Social Security number

Step 6: Compare Lenders. It’s important to shop around and compare offers from multiple lenders.

Look for competitive interest rates,

loan terms, and closing costs. Don’t be afraid to negotiate to get the best deal. During this time, avoid making significant financial changes, like switching jobs or making large purchases, as these could impact your loan approval.

Step 7: Prepare for Closing. As you approach the closing stage, review all associated costs, such as lender fees, title insurance, and escrow payments. Make sure you understand each line item and ask questions if anything seems unclear. Having a clear picture of these expenses will help you avoid surprises.

Additional Considerations: If you’re building a custom home, consider specialized loan options, like short-term construction loans.

Bank of South Texas, a preferred mortgage lender, for example, offers comprehensive construction loan packages tailored to meet the needs of custom homebuyers (see page 1).

By following these steps, you’ll be well-prepared to secure the right loan for your needs. With preparation and a clear plan, you’ll be on your way to owning a home that’s perfect for you.

Remember, the journey may take time, but it’s worth it when you find a home you’ll love for years to come.

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TO YOUR DREAM HOME Q RGV New Homes

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⊲ Get Helpful Homebuying Advice ⊲ Get Inspired With Our Photo Gallery ⊲ Find Energy-Efficient BUILT TO SAVE® Builders ⊲ Learn About Home Mortgages, and More

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LOWER UTILITIES

BETTER AIR QUALITY

MORE COMFORT

ENJOY DIVINE CUSTOM HOMES

BUILT TO SAVE® high-performance home requirements are designed to ensure that the home’s construction provides energy efficiency and quality that will be superior to homes built only to minimum code requirements.

A home that receives a BUILT TO SAVE® certificate has been modeled, inspected, and tested by an independent licensed home energy Rater to verify that the home has complied with the requirements of the program.

MAGIC VALLEY ELECTRIC COOP IS A PROUD SPONSOR OF THE BUILT TO SAVE® PROGRAM.

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MORE DURABILITY

QUALITY CONSTRUCTION

BETTER MARKET VALUE

MORE & LESS • Indoor Comfort • Indoor Air Quality • Whole-House Energy Efficiency • Savings on Utilities • Efficient, Long-Lifespan Lighting • Quality Construction • Enhanced Pest Control • Lasting Peace of Mind • Excellent Resale Value • Superior Homebuyer Satisfaction

• Fees on Utilities • Indoor Humidity • Need for Repairs • Maintenance Costs • Air Leakage Out & In • Outdoor Contaminants & Pests • Moisture & Mold Problems • Doubt of Superior Construction • Worry About Improper Insulation • Time on the Resale Market

BUILT TO SAVE®

Third-Party Verified High-Performance Homes Don’t settle for someone’s word that your home is energy efficient.

Ask your builder to certify your home in the BUILT TO SAVE® program and enjoy MORE of what you want and LESS of what you don’t want.

SEE PAGES 14-15 for a list of builders in the BUILT TO SAVE® Program.

Blower door and duct leakage testing equipment to measure the energy efficiency of a home.

www.BuiltToSave.org 37

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