Copperas Cove, Texas, Central Texas, buy a home, new home, home near killeen

New Home Community in Copperas Cove

(Image Courtesy of Copperas Cove Herald)

Copperas Cove’s newest community, Creekside Hills, has some impressive features and is just 15 minutes from Fort Hood. DR Horton has kept Central Texas family lifestyles in mind when designing their newest floor plans. If you are looking for a Smart Home that will usher your family into a new generation of technology, this is definitely the place to go.

DR Horton has fitted all of the homes in Creekside Hills with their Home is Connected features. This system allows the homeowner to control all of the devices in their home from one central hub, your phone. You can lock doors, control the thermostat, and turn lights on an off just using your phone. DR Horton is also including an Amazon Echo Dot in all of the Creekside Hills homes, making voice activation of your Smart Home a breeze.

We are highlighting some of the larger floor plans offered in this community. Reach out to the NextHome Tropicana team if you’re interested in viewing a home at (254) 616-1850.

Visit Copperas Cove’s Creekside Hills Community

 

The Prescott Home

The Prescott floor plan is designed with your family needs in mind. This home includes a flexible space that could be a game room or study, and open layout in the kitchen, dining and living room. Relax in the master bathroom which has a large closet and plenty of room for storage.

  • 1,953 square feet
  • 1 story / 4 bedroom / 2.5 bathroom / 2 car garage
  • Starting around $192k

Creekside Hills Prescott InteriorCreekside Hills Prescott Floor Plan

The Richmond Home

You will love the inviting entry way in the Richmond floor plan. The bright and spacious kitchen includes a beautiful island, and the space opens up to the dining and living rooms. Designed with comfort in mind, this home is an excellent option for a growing family.

  • 1,783 square feet
  • 1 story
  • 4 bedroom / 2 bathroom / 2 car garage
  • Starting around $180k

Creekside Hills Richmond Interior

Creekside Hills Richmond Floor Plan

The Everett Home

The kitchen in the Everett floor plan is nothing short of luxurious. Featuring granite countertops, stainless steel appliances, and a large island for you to gather around, the kitchen is fantastic. It flows into a large dining and family room in this open layout. This home has 2 flexible spaces that could be a formal dining room, study, game room, or fourth bedroom, depending on what your family needs.

  • 2,150 square feet
  • 1 story
  • 3 or 4 bedroom / 2 bathroom / 2 car garage
  • Starting around $206k

Creekside Hills Everett Kitchen

Creekside Hills Everett Floor Plan

The Kiawa Home

Stretch out in the Kiawa, D.R. Horton’s largest floor plan in the Creekside Hills community. The first floor has an optional study or an extended living room, a dining room and a breakfast nook that opens up to the patio. On the second floor, you’ll find a large game room or media room with the option to add a fifth bedroom. Plus, you will have plenty of storage space in the huge master closet.

  • 3,150 square feet
  • 2 story
  • 4 or 5 bedroom / 3 bathroom / 2 car garage
  • Starting around $238k

Creekside Hills Kiawa Upstairs

Creekside Hills Kiawa Floor Plan

The Magnolia Home

The Magnolia floor plan was designed with convenience in mind. The first floor boasts a large, open kitchen, a connected dining and living room, and an optional study or fourth bedroom. The utility room is conveniently located upstairs between the master closet and third bedroom for easy access to kids’ rooms without hauling clothes up and down the stairs.

  • 2,206 square feet
  • 2 story
  • 3 or 4 bedroom / 2.5 bathroom / 2 car garage
  • Starting around $212k

Creekside Hills Magnolia Kitchen

Creekside Hills Magnolia Floor Plan

The Sonoma Home

The designers at D.R.Horton made sure to give the Sonoma floor plan some extra charm. With a large master suite on the first floor and an over-sized living room, you have plenty of room for your family to grow. The second floor features 3 bedrooms and an open loft that is great for entertaining. There is even room to add a fifth bedroom!

  • 2,572 square feet
  • 2 story
  • 4 or 5 bathroom / 2.5 bathroom / 2 car garage
  • Starting around $216k

Creekside Hills Sonoma Interior

Creekside Hills Sonoma Floor Plan


LEARN MORE About Copperas Cove

“The City built for Family Living” is nestled between five hills in Central Texas, and it is a wonderful place to call home!

5 Quick Facts About Copperas Cove:

  1. Cost of Living is Low
  2. It’s a Military Friendly Town
  3. Plenty of Family Events
  4. People Love Texas Football
  5. So Many Beautiful Parks

 

Reach out to the NextHome Tropicana team if you’re interested in viewing one of these homes or have questions about living in the area (254) 616-1850.

Office / Model for Creekside Hills

Creekside Hills by DR Horton

Copperas Cove is known as the “City for Family Living.” DR Horton’s newest community in Copperas Cove lives up to that title. Creekside Hills offers 10 different floor plans, ranging between 1,508 and 3,150 square feet. Whether you want the perfect 3 bedroom starter-home or you are looking to upgrade to a larger 5 bedroom home, Creekside Hills is an ideal location.

Creekside Hills is strategically located minutes from Highway 9, so you will have easy access to Killeen, Fort Hood, and Harker Heights. In this community, the kids can attend Hettie Halstead Elementary and House Creek Elementary School, S.C. Lee Junior High School, and Copperas Cove High School. Call NextHome Tropicana Realty for information or to schedule a private tour of your favorite home at (254) 535-0277.

Here are some of the 3-bedroom “Starter” floor plans to consider:

Alpine Home 

The Alpine home is one of the most popular floor plans. It is a perfect starter home for a single adult, couple, or small family. It features 9-foot ceilings, granite counter tops in the kitchen, and stainless appliances.

  • 1,508 square feet

  • 1 story / 3 bedroom / 2 bathroom / 2 car garage

  • Starting in the $166s

 Creekside Hills Alpine Kitchen Creekside Hills - Alpine Floor Plan

Willow Home

The master bedroom suite of the Willow floor plan is located off the family room and it includes a large walk-in closet and a relaxing master bathroom. You’ll enjoy added security in your new DR Horton home with our Home is Connected features.

  • 1,637 square feet

  • 1 story / 3 bedroom / 2 bathroom / 2 car garage

  • Starting in the $172s

 Creekside Hills - Willow Living Area Creekside Hills - Willow Floor Plan

Ashford Home

You will love the entryway of the Ashford opens into a dining area and spacious living area that flows effortlessly to the bright and spacious kitchen. Enjoy preparing meals and spending time together gathered around the kitchen island.

  • 1,695 square feet

  • 1 story / 3 bedroom / 2 bathroom / 2 car garage

  • Starting in the $176s

Creekside Hills - Ashford Entryway Creekside Hills - Ashford Floor Plan

Dakota Home

The inviting entryway of the Dakota opens into the spacious living area with an open dining area, leading into the spacious kitchen. The master bedroom suite is located off the family room and it includes a large walk-in closet and a relaxing master bathroom.

  • 1,568 square feet

  • 1 story / 4 bedroom / 2 bathroom / 2 car garage

  • Starting in the $170s

Creekside Hills - Dakota Master Bath Creekside Hills - Dakota Floor Plan

Roosevelt Home

The Roosevelt floorplan is designed to provide you and your family a comfortable place to call home. Unwind in your master suite, which includes a beautiful master bathroom with his and her sinks.

  • 1,605 square feet

  • 1 story / 3 bedroom / 2 bathroom / 2 car garage

  • Starting in the $169s

Creekside Hills - Roosevelt Living and Kitchen Creekside Hills - Roosevelt Floor Plan

Rosewood Home

The Rosewood floor plan is among the most popular homes and is a perfect starter home for a single adult, retired couple, or small family. Other Features include 9-foot ceilings, granite counter tops in the kitchen, and stainless appliances.

  • 1,368 square feet

  • 1 story / 3 bedroom / 2 bathroom / 2 car garage

  • Starting in the $159s

Creekside Hills - Rosewood Kitchen Creekside Hills - Rosewood Floor Plan

Blog-NH-Trop-BuyaHome

Stages of Buying a Home in Texas

For a first-time home buyer, the home buying process in Texas can appear intimidating. There is loan pre-approval, finding the right neighborhood, house hunting, home inspection, and many smaller steps that can easily overwhelm you. We want the home buying process to be as easy as possible for you, so we’ve put together a list of what to expect during the process of buying a home.

Get Pre-Approved for a Home Loan

You can be pre-qualified for a mortgage loan and apply for your home loan. Even if you are not qualified right now, the right loan officer will explain the steps you need to take to get there. Typically, the qualification process takes between 3 and 12 months. To get pre-approved for a home loan, you will fill out the loan application and submit supporting documents (such as your tax returns, bank statements, etc.). Once the loan is in process, you can get out those comfortable shoes and start looking at homes.

Search for Your Next Home

It is time for house hunting! Aside from closing day, house hunting is the most fun part of the home buying process. There are so many options available for exploration and you get to choose exactly the option that will work best for you and your family. NextHome realtors are here to guide you through your decision making process. Here are some questions to help you figure out which one will be the right home for you:

  • What area of town is ideal for your commute?
  • What neighborhood amenities are you looking for?
  • Do you prefer new construction or a resale home?
  • Where are the best schools?

Submit Your Offer

Once the house is found, it’s time for negotiation! Armed with the latest neighborhood information, NextHome Tropicana realtors guide you to make the right offer and submit it to the seller. Negotiation may require some back and forth as you discuss the details with the seller.

The negotiable details could include both the cost of the home, as well as things like: who pays for the home warranty, closing costs, title insurance, and more. Once everything is agreed upon, the offer becomes a contract. To seal the deal, some sellers require a deposit called earnest money sent to the title company. This shows your good faith in the transaction, which allows the sale to move to the next step.

Get a Home Inspection

A home inspection is essential for you to know exactly what you’re getting into. The inspector helps you identify any issues that the property might have. It’s conducted by a third party independent licensed inspector, and it is a must-do. A home is likely to be the largest purchase you will make, you want to scrutinize it and ensure that everything is up to par. If any repairs are needed, you can use that information to negotiate with the seller while the contract is in an option period. The option period is a short time frame, typically 10-15 days, after the contract is ratified.

Loan Processing

This is the hardest part of the process only because you are anxiously awaiting the green light to get into the house. During this time, quite a few things take place behind the scenes. These include the home appraisal, survey, title work, and other behind the final loan-related checklists.

Appraisal is conducted by a licensed real estate appraiser who ensures that you are not paying more for the house than it is worth. Survey of the plot of land you are purchasing ensures that you are aware of underground utility lines and informs you of any setback lines where no permanent structure can be built, etc. Title policy highlights any deed restrictions that might prohibit a certain activity, ensures the title to the property does not have liens and encumbrances.

Final Walk-Through and Closing

To seal the deal, the buyer (you) conducts a final walk through with your realtor to ensure the house is still there and in good condition (i.e. it has not been burned down to the ground, ha ha ha). You are also checking to see that all of the repairs agreed to by the seller are complete with copies of the receipts. If all is well, a drive to the title company is the final step to sign your life away for the next 30 years (shorter terms like 15 or 20 year notes are available).

lakeview, lakeview homes, home community, killeen texas, buy a new home, new homes, NextHome tropicana

Before you know it, you’ll hear the words, “Congratulations, you are now a proud homeowner!!”

Build Credit for Home Buying in Texas

How to Build your Credit When Home Buying in Texas

Good Credit is Important for Your Texas Home Loan

Maintaining a good credit score might appear difficult at first and you might wonder why it is so important. Having a good credit score is a way to tell people (primarily loan officers, banks, and even employers) that you are dependable and can be consistent in payments (or as an employee) over the long-term. Lenders want to see that the person they are lending money to will be responsible and trustworthy when paying back their loan. This is especially important when you are planning to purchase a home in Texas. So, we sat down with Alisa from Fairway Mortgage in Killeen, TX to learn more about what mortgage loan officers are looking for when they approve a home loan. This is especially important for first time home buyers in Texas.

 What Mortgage Loan Officers Look For in Texas Home Buyers

Mortgage loan officers consider 3 main categories when evaluating home buyers for a home loan. Each of these categories contribute to whether you are approved for a home loan, and also the interest rate of your home loan.

1. Credit Score

According to Alisa, mortgage loan officers like to see a score of 620 or higher for most Texas home buyers. This number will vary for different mortgage companies but is a good starting point for most people. Some companies will make exceptions for credit scores as low as 580.

2. Debt-to-Income Ratio

Debt-to-Income Ratio can be a pretty straightforward concept. It is the amount of debt that you pay every month and compare it to the amount of income that you make every month. For example, if you pay $300 per month towards a car payment and $300 per month to a credit card, your debt payments per month will total $600. Then you divide that $600 by your monthly pre-tax income.

For this example, we’ll estimate your pre-tax income is $3,000 per month. Here is what the math looks like: $600 / $3,000 = 0.2 or 20%. That means that 20% of your monthly income is going towards debt repayment. Many mortgage lenders say that a good debt-to-income ratio is ideally below 45% but could be higher based on specific programs.

3. Credit History

Credit history refers to the long-term record of your debts and repayments. Your credit history is how your credit score is determined. This includes everything related to your credit including: how many accounts you have open and how long they have been open, the amount owed on each account, whether your bills have been paid on time, the number of recent credit inquiries, and more. All of these aspects of your credit will give your loan officer an idea of whether you are good at handling borrowed money.

 Tips for First Time Home Buyers in Texas

 There are many ways to improve your credit. The odds that you will be approved for a home loan with a good interest rate will increase as you improve your credit. Alisa has some great tips on what she suggests for home buyers in Texas.

  • If you have current credit cards but your credit score is low, pay down your credit cards to 15% of their limit and keep it below 15%. That means your credit card with a limit of $1,000 should keep the balance below $150. Ideally, you will not owe anything on your credit cards, but keeping it below 15% of the limit will greatly improve your credit score and chances of being approved for a Texas home loan.
  • If you have never had a credit card, consider opening a secured credit card. Secured credit cards require a refundable deposit paid upfront as collateral. The amount of the deposit is often the same as the credit limit. This ensures that you are not spending more than what you can repay and allows you to practice building credit without the risk of going into debt. Any payments that you are unable to make are covered by your deposit.
  • Another way to establish credit history, at least with Fairway Mortgage, is by proving you have at least 3 non-traditional accounts that you have been paying on-time for at least 12 months or longer. Non-traditional credit accounts might include rental payments, utility payments, school tuition, renter’s or auto insurance, and many more.

You CAN become a homeowner. It is not just a pipe dream. NextHome Tropicana is here to help you find your new home and work with you to prepare for the process. Maintaining a good credit score is essential to getting approved for a home loan and getting the best possible rate. If you have any questions or want to start the conversation about your future home sweet home, please call us at (254) 535-0277.

DR Horton Home Creekside Hills

New Construction in Copperas Cove: Creekside Hills Community

Creekside Hills is a new community in Copperas Cove from DR Horton. Pick from ten floor plans ranging from 1,508 to 3150 square feet. These single story and two-story homes were thoughtfully designed with 3, 4, and bedroom options and a variety of open concept layouts.

Creekside Hills is located in Copperas Cove, referred to as the “City Built for Family Living.” This neighborhood is just minutes away from Highway 9, allowing you quick access to Fort Hood, Killeen, and Harker Heights. Take a fun weekend trip down to Austin for the big festivals and events in an hour or less.

These homes are new construction, so you can be the first one to choose everything. Choose your lot, design your house to your preferences, and it will truly feel like home sweet home.

A Look Inside…

Step into this fantastic kitchen featuring stainless steel appliances, an island, granite counter tops, and a large pantry.

Beautiful Warm Kitchen Creekside Hills

 When you’re ready to host friends for a party or dinner, they will be impressed by your warm dining room that pours into the living room in your open layout home.

Entertainment Friendly Dining Room Creekside Hills

In your master bedroom, you can stretch out in your enormous walk-in closet. There is plenty of room for everything you may have previously put into storage and more.

Huge Walk-In Closet Creekside Hills

Want to see more previews of these homes? Visit the community. Want to see it in person? Give us a call and we’ll show you around: 254.535.0277

Buying a DR Horton Home in Copperas Cove

Here are a few ways to save money if you want to get into this beautiful community.

  1. When you choose to work with the DHI Mortgage company to purchase a DR Horton home, all of your closing costs will be covered. That certainly makes it more affordable, right?
  2. You can potentially get $50 earnest money on VA Loans (fully refundable upon closing).
  3. Texas Veteran Loans and down payment assistance is also available for qualified applicants.