EXHIBIT 99.5

                                D.R. HORTON, INC.

                                OFFER TO EXCHANGE
                       8.5% SENIOR EXCHANGE NOTES DUE 2012
           WHICH HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933
                       FOR ANY AND ALL OF OUR OUTSTANDING
                           8.5% SENIOR NOTES DUE 2012
              (CUSIP NOS. 23331A AK 5, U26442 AA 8 AND 23331A AM 1)
                PURSUANT TO THE PROSPECTUS, DATED _________, 2002



To Our Clients:

         Enclosed for your consideration is a prospectus dated _____________,
2002 ( the "Prospectus"), and the related letter of transmittal (the "Letter of
Transmittal"), relating to the offer (the "Exchange Offer") of D.R. Horton,
Inc., a Delaware corporation (the "Issuer"), to exchange its 8.5% Senior
Exchange Notes due 2012, which have been registered under the Securities Act of
1933, as amended, for its outstanding 8.5% Senior Notes due 2012 (the "Old
Notes"), upon the terms and subject to the conditions set forth in the
Prospectus and the Letter of Transmittal. The Exchange Offer is being made in
order to satisfy certain obligations of the Issuer contained in the registration
rights agreement in respect of the Old Notes, dated as of April 11, 2002, by and
among the Issuer and the guarantors and initial purchasers referred to therein.

         This material is being forwarded to you as the beneficial owner of the
Old Notes held by us for your account but not registered in your name. A tender
of such Old Notes may only be made by us as the holder of record and pursuant to
your instructions.

         Accordingly, we request instructions as to whether you wish us to
tender on your behalf the Old Notes held by us for your account, pursuant to the
terms and conditions set forth in the enclosed Prospectus and Letter of
Transmittal.

         Your instructions should be forwarded to us as promptly as possible in
order to permit us to tender the Old Notes on your behalf in accordance with the
provisions of the Exchange Offer. THE EXCHANGE OFFER WILL EXPIRE AT 5:00 P.M.,
NEW YORK CITY TIME, ON ____________, 2002 (THE "EXPIRATION DATE"), UNLESS
EXTENDED BY THE ISSUER. Any Old Notes tendered pursuant to the Exchange Offer
may be withdrawn at any time before such time on the Expiration Date.

         Your attention is directed to the following:

         1.       The Exchange Offer is for any and all Old Notes.

         2.       The Exchange Offer is subject to certain conditions set forth
                  in the Prospectus in the section captioned "The Exchange
                  Offer--Conditions to the Exchange Offer."

         3.       Subject to the terms and conditions in the Prospectus and the
                  Letter of Transmittal, any transfer taxes incident to the
                  transfer of Old Notes from the holder of Old Notes to the
                  Issuer will be paid by the Issuer.

         4.       The Exchange Offer expires at 5:00 p.m., New York City time,
                  on ___________, 2002, unless extended by the Issuer.




         If you wish to have us tender your Old Notes, please so instruct us by
completing, executing and returning to us the instruction form on the back of
this letter. The Letter of Transmittal is furnished to you for information only
and may not be used directly by you to tender Old Notes.



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                          INSTRUCTIONS WITH RESPECT TO
                               THE EXCHANGE OFFER

         The undersigned acknowledge(s) receipt of your letter and the enclosed
material referred to therein relating to the Exchange Offer made by D.R. Horton,
Inc. with respect to their Old Notes.

         This will instruct you to tender the Old Notes held by you for the
account of the undersigned, upon and subject to the terms and conditions set
forth in the Prospectus and the related Letter of Transmittal.

         The undersigned expressly agrees to be bound by the enclosed Letter of
Transmittal and that such Letter of Transmittal may be enforced against the
undersigned.

         Please tender the Old Notes held by you for my account as indicated
below:

                                         AGGREGATE PRINCIPAL AMOUNT OF OLD NOTES

8.5% Senior Notes due 2012               $
                                          --------------------------------------

[ ]      Please do not tender any Old Notes held by you for my account.

Dated:                     , 2002
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                                                   SIGNATURE(S)

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                                            PLEASE PRINT NAME(S) HERE

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                                                    ADDRESS(ES)

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                                            AREA CODE AND TELEPHONE NUMBER

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                                    TAX IDENTIFICATION OR SOCIAL SECURITY NO(S).

         None of the Old Notes held by us for your account will be tendered
unless we receive written instructions from you to do so. Unless a specific
contrary instruction is given in the space provided, your signature(s) hereon
shall constitute an instruction to us to tender ALL the Old Notes held by us for
your account.


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