Frequently Asked Questions

Our communities are thoughtfully designed to cater to families, offering a blend of urban convenience and suburban tranquility. Each community in Central Florida is chosen for its access to top-rated schools, parks, and family-oriented activities, ensuring a nurturing and vibrant environment for your family to grow and thrive.

We understand that every family is unique, and our homes reflect that. Our plans offer a range of customizable options, from flexible floor plans to finish selections, allowing you to tailor your home to fit your family’s lifestyle perfectly. Whether you need extra bedrooms, a spacious backyard, or specific design features, we work with you to make your dream home a reality.

Absolutely! We have partnerships with reputable financial institutions that specialize in home mortgages and can guide you through the financing process. Our team will assist you in understanding your options, help you find competitive rates, and support you in choosing the best financing solution for your family’s needs.

Yes, family-centric amenities are a cornerstone of our communities. Many of our neighborhoods feature parks, playgrounds, community pools, and clubhouses. Additionally, we focus on accessibility to local schools, shopping centers, and recreational facilities, ensuring a convenient and enjoyable lifestyle for your entire family.

Absolutely! You will be able to modify your new to-be-built home to fit your budget and your tastes.  We will work with you throughout this process to guide you and answer your questions. Your Trinity New Home Advisor will help you find the best plan to fit your specific needs and they will work closely with you to find the best homesite and exterior elevation for your new home. At the Trinity Design Center, an Interior Design Specialist will help you further by assisting you with color choices, countertops, cabinet selections, appliances and more.

Most of our new home buyers enjoy visiting your building site often to watch the progress of your new home. It’s breathtaking how quickly the slab, exterior walls, and roof are constructed. Next comes the interior mechanical work, installation of the insulation, wiring, plumbing, and ductwork for your heating and air conditioning system. Once these items are installed, we will schedule a “framing walk-through” inspection, to make sure everything is perfect before the drywall is installed. This is a good time to verify the location of electrical outlets. If any changes need to be made, now is the time to do it — before the drywall is installed. It won’t be long now — soon you’ll be occupying your new home by Trinity Family Builders.

For buyers looking at Trinity Family Builders' current qualifying spec inventory, the math is better than the broader market headlines suggest. National surveys have found only about one in five to one in four consumers currently believe it's a good time to buy, largely because of affordability concerns tied to both home prices and mortgage rates. That sentiment reflects overall market conditions, not any specific offer. TFB's 5.5% rate buydown on select spec homes lowers the monthly payment on those homes well below what a buyer would get at today's typical market rate.

Most housing economists don't expect meaningful rate relief until sometime in 2027, so waiting on rates alone means waiting on an uncertain timeline. Trinity Family Builders below market rate offer locks you into a 30 year fixed mortgage rate well below the current market rate making now a perfect time to buy. Waiting also carries its own cost: home prices and buyer competition can rise in the meantime, and a specific home a buyer likes today may not still be available. Trinity Family Builders' Homebuyer Confidence Guarantee, covered below, is built for buyers who don't want to choose between locking in a home now and missing a future rate drop.

Trinity Family Builders is a family-owned home builder with more than 30 years of experience building in Central Florida, not a publicly traded national company. That means local leadership, not a corporate office in another state, sets the pricing, incentives, and terms behind programs like the current rate buydown and the Homebuyer Confidence Guarantee.

The Homebuyer Confidence Guarantee is a free refinance within 3 years program that Trinity Family Builders has partnered with third-party partners to reduce processing, underwriting, and administrative fees on a future refinance for buyers who close on a TFB home and later want to refinance into a lower rate. It's available through two of TFB's lending partners, Guild Mortgage and Magnolia Closings Co., within 36 months of the buyer's original closing date.

No. The program reduces certain refinance fees, it doesn't waive them entirely, and some fees can't be waived by law regardless of any builder or lender program. Buyers should confirm exact fee terms with Guild Mortgage or Magnolia Closings Co. when they're ready to refinance.

36 months from the original closing date on the Trinity Family Builders home.

Guild Mortgage and Magnolia Closings Co., Trinity Family Builders' preferred lending partners.

Trinity Family Builders is a family-owned new home builder with more than 30 years of experience building homes in Central Florida.

Trinity Family Builders builds across Central Florida, including communities in Eustis, Davenport, DeLand, Groveland, Leesburg, Howey-in-the-Hills, and St. Cloud. 

Trinity Family Builders is not a custom homebuilder; however, we offer both move-in-ready spec homes and To Be Built (TBB) homes where buyers select a home site and design options for their specific taste.

Call or text 407-214-3860.

A rate buydown is when a builder, seller, or lender pays an upfront fee to lower a buyer's interest rate, either for the full loan term (a permanent buydown) or for the first year or two before it steps up to the standard rate (a temporary buydown, such as a 2-1). The result is a lower monthly payment than the buyer would get at the standard market rate.

The interest rate is the cost of borrowing money for a home, expressed as a percentage of the loan amount, and it directly changes the monthly payment. Even a difference of half a percentage point can shift a monthly payment by hundreds of dollars on an average-priced home, since interest is calculated on the full remaining loan balance every month.

A fixed-rate mortgage keeps the same interest rate for the life of the loan. An adjustable-rate mortgage (ARM) starts with a lower introductory rate for a set period, then adjusts up or down with market conditions, which means the payment can change later in ways a fixed-rate loan doesn't.

A new construction home is built new for its first owner, with current building codes, new systems and appliances, and often a builder warranty. An existing (resale) home has had at least one previous owner and may need updates or repairs the price doesn't already account for. New construction also frequently comes with builder-funded incentives, like rate buydowns or closing cost credits, that aren't typically available on a resale purchase.

A spec home is a home a builder starts and often finishes before a buyer is under contract, so what a buyer sees is close to or exactly what they'll get, usually with a faster closing timeline. A To Be Built home is a home a buyer contracts for before construction starts, choosing the home site, floor plan and finish options, allowing more personalization. A to be built timeline can range from 6 – 8 months.

Down payment requirements depend on the type of loan, not on whether the home is new or existing. Conventional loans range from 5 % to 20% down payment for qualified buyers, FHA loans as little as 3.5%, and VA loans can require no down payment for eligible veterans and service members.

Worth asking directly: how long the builder has been building in that specific market, what's covered under the builder's warranty and for how long, whether the builder uses its own lending partner or requires one, which incentives are tied to specific homes versus the whole community, and whether the builder can connect a buyer with recent homeowners to talk to directly.

It depends on the specific homes being compared, not on new construction versus resale as a category. A new home's price often reflects current construction costs and a builder warranty, while an existing home's price reflects the previous owner's condition and any deferred maintenance a buyer would take on. Builder incentives, like Trinity Family Builders' current rate buydown, can also close or reverse a price gap that looks larger on a sticker-price comparison alone.

Building a new home with Trinity Family Builders follows an 18-step journey from pre-qualification through move-in. In order: pre-qualify with Trinity Family Builders, choose your lot, structural options, and exterior colors, sign your purchase agreement, complete a Design Center selection appointment (if applicable), finalize Design Center paperwork (if applicable), permit package submitted to municipality, pre-construction meeting scheduled, pre-drywall meeting scheduled, lender finalizes the loan and orders the appraisal, email sent with closing information, lock your rate when the closing letter is received, Customer Care Team introduction, attend your new home orientation with the builder, review closing instructions, final walkthrough, review closing and wire instructions, close on your new home, and a 30-day warranty check-in.

Every Trinity Family Builders home comes with a one-year workmanship warranty, a two-year mechanical warranty, and a seven-year structural warranty.

A spec home is a home Trinity Family Builders starts, and often finishes, before a buyer is under contract, so what a buyer sees is close to or exactly what they'll get, usually with a faster closing timeline. A To Be Built home is a home a buyer contracts for before construction starts, choosing the lot, structural options, and Design Center selections, which takes longer to close but allows more personalization.

The total price of a To Be Built home is the base price plus the elevation, the lot premium, and any structural and design options selected, all added together. For a spec home or quick move-in home, the price advertised is already the total price, with nothing additional to add.

A deposit of $5,000 is required to go under contract with Trinity Family Builders.

Yes. Trinity Family Builders offers incentives to buyers who use one of the builder's preferred lenders for their financing. Contact an online sales counselor for current incentive details. Call or Text 407-214-3860.

Trinity Family Builders is offering a below market rate fixed interest rate on select quick move-in homes, which will save you hundreds of dollars each month. For details, check out our special offers page on our website: www.trinityfamilybuilder.com.

The offer applies to a specific list of homes. Buyers confirm the current qualifying homes with a TFB sales counselor.

As of mid-September 2026, the average 30-year fixed mortgage rate nationally is running around 7.5%. Trinity Family Builders' below-market rate on qualifying spec homes sits well below that range, and you can save hundreds of dollars on your monthly payment, though the exact payment difference depends on loan amount, term, and the buyer's individual qualification.

The offer runs until the qualifying spec homes sell, not until a fixed calendar date. Because it's tied to a real, finite list of homes rather than a sitewide sale, availability narrows as those specific homes close.

The current below-market rate offer and $10,000 closing cost offer apply to a specific, named group of homes. A buyer can verify exactly which homes qualify with a sales counselor before making a decision.