D.R. Horton
Consumer Discretionary
58
out of 100. Number 141 of 512, counting from the worst.
Where D.R. Horton does well
- Renewals 0 of 20. Nothing found.
- DHI Mortgage explicitly warns applicants that the credit bureaus may sell 'trigger leads' when the tri-bureau report is pulled — 'This may result in solicitations from other mortgage companies during your mortgage loan process' — and tells them exactly how to opt out at optoutprescreen.com or 1-888-567-8688. That's more transparent than most lenders.
- Changes to DHI Mortgage's U.S. Consumer Privacy Notice can't be made silently: they promise to mail a revised notice before any change takes effect, to send a current notice at least once a year, and online-privacy-policy changes only take effect 30 days after posting.
- In the employment-applicant privacy notice, D.R. Horton states 'We do not disclose personal information to third parties in exchange for monetary compensation' and 'We do not knowingly collect information from persons under the age of 18.'
- Per Public Citizen, HUD guidance means buyers using FHA or VA loans can refuse binding arbitration — and the 2025 South Carolina court found D.R. Horton's arbitration clause unconscionable and denied the motion to compel, showing the clause doesn't always survive a challenge.
- The arbitration venue is the county where the property is located, not a distant corporate forum.
Before you even get the keys, the contract forces you to give up court for virtually every dispute — construction quality, delivery, the punch list, and the limited warranty all go to private binding arbitration.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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Before you even get the keys, the contract forces you to give up court for virtually every dispute — construction quality, delivery, the punch list, and the limited warranty all go to private binding arbitration. Per the same filing, the paragraph also makes the buyer pay the seller's attorney's fees when the company moves to compel arbitration.
MANDATORY BINDING ARBITRATION. PURCHASER AND SELLER SHALL SUBMIT TO BINDING ARBITRATION ANY AND ALL DISPUTES WHICH MAY ARISE BETWEEN THEM REGARDING THIS AGREEMENT AND/OR THE PROPERTY, INCLUDING BUT NOT LIMITED TO ANY DISPUTES REGARDING: (A) SELLER'S CONSTRUCTION AND DELIVERY OF THE HOUSE; (B) SELLER'S PERFORMANCE UNDER ANY PUNCH LIST OR INSPECTION AGREEMENT; AND (C) THE LIMITED WARRANTY PURSUANT TO SECTION 14 ABOVE. THE ARBITRATION SHALL TAKE PLACE IN THE COUNTY IN WHICH THE PROPERTY IS LOCATED.
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Anything you submit or post on their sites — a review, a story, a photo, a contest entry — can be reused by D.R. Horton forever, worldwide, in marketing, and handed on to third parties. It's irrevocable: you can't take it back.
When you use or visit our Sites, submit content to us, or post or submit any content on our Sites, you grant D.R. Horton an unlimited, non-exclusive, worldwide, non-revocable, perpetual license to reproduce, duplicate, transmit, display, publish, create derivative works, sublicense, and otherwise use any such information for any lawful purpose whatsoever, including marketing (subject to any rights under privacy laws applicable to you, as disclosed in our Privacy Policy and Choices), and you agree to hold us harmless with respect thereto.
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Your credit report and personal data aren't just used to approve your loan — they're shared with third parties to facilitate selling your mortgage on the secondary market, and any future owner or servicer of your loan can pull or re-verify your information 'for any legitimate purpose, through any source.'
DHI Mortgage may share my consumer report and related personal information with third-party service providers that provide services to DHI Mortgage in connection with the processing of my loan application and the secondary market sale of my mortgage loan. ... Any owner of a completed mortgage loan, its servicers, successors, and assigns, may verify or re-verify any information contained in this loan application or obtain any information or data relating to my completed mortgage loan, for any legitimate purpose, through any source, including a source named in this loan application or a consumer reporting agency.
DHI Mortgage — Your Privacy Choices / Consumer Connect Consent
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One applicant can hand over the other borrower's phone number and email for contact and authorize credit pulls and data sharing — based only on the applicant's own claim that the co-borrower agreed in advance. DHI Mortgage doesn't verify that second person's consent itself.
I may complete the joint online loan application if I obtain advance authorizations and consents from my co-borrower: To share my co-borrower's personal information with DHI Mortgage... To share my co-borrower's cell phone number for purposes of being contacted by DHI Mortgage at the phone number I provide... To share my co-borrower's email address...
DHI Mortgage — Your Privacy Choices / Consumer Connect Consent
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The advertised price, features, and incentives for a home can be changed or cancelled at any time, without telling you first. The price on the flyer or sales sheet isn't a promise — D.R. Horton's own sales policies add that prices may change day to day and that it is the 'sole decision maker' for any sales-process dispute.
D.R. Horton reserves the right to cancel or change all offers without prior notice... Home and community information, pricing, plans, elevations, included features, options, terms, availability, amenities, and co-broke, are subject to change and prior sale at any time without notice or obligation.
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While the buyer must arbitrate everything, D.R. Horton reserves its own right to go to a real court over the earnest-money deposit — a one-sided carve-out in the builder's favor inside a supposedly mutual arbitration clause.
NOT WITHSTANDING THE FOREGOING, SELLER SHALL HAVE THE RIGHT TO INTERPLEAD ALL OR ANY PART OF THE EARNEST MONEY INTO A COURT OF COMPETENT JURISDICTION AS PROVIDED FOR IN SECTION 4 HEREIN.
How these were found
The Terms of Use and Sales Policies & Procedures quotes were taken from official-domain (drhorton.com) search-index snippets — Terms of Use last crawled ~26 days before Oct 1, 2026, Sales Policies & Procedures ~176 days — because direct browser fetches rendered only the site's SPA homepage; the search index did not return a verbatim URL for the Sales Policies page, so those quotes carry no full URL and should be verified on the live site. The Home Purchase Contract language is quoted verbatim from South Carolina court filings (2025) adjudicating a contract signed in March 2022 — authoritative contract evidence, but advocacy/adjudication documents rather than D.R. Horton's own site; the cited court found the arbitration clause unconscionable, so its enforceability is not uniform. The DHI Mortgage consent and privacy-rights pages were read directly from dhimortgage.com on Oct 1, 2026; the privacy page states 'Effective: September 1, 2016'. The main drhorton.com builder privacy policy lives behind a Securiti 'Privacy Central' SPA shell that text fetching could not render, so the data score reflects DHI Mortgage disclosures plus official-domain snippets only. D.R. Horton is a homebuilder with no consumer subscription products, so no auto-renew or cancellation traps exist and autorenew scores 0 by business model. Older (2002-era) contract anecdotes from third-party archival sites were deliberately excluded as stale.
These notes come from the original draft and are not independent verification.