Document:

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                                                                    EXHIBIT 4.22

                             SUPPLEMENTAL INDENTURE

         This SUPPLEMENTAL INDENTURE, dated as of July 18, 2003 is among
Technical Olympic USA, Inc., a Delaware corporation (the "Company"), each of the
parties identified under the caption "Subsidiary Guarantors" on the signature
page hereto (the "Guarantors") and Wells Fargo Bank Minnesota, National
Association, a national banking association, as Trustee.

                                    RECITALS

         WHEREAS, the Company, certain Subsidiary Guarantors and the Trustee
entered into an Indenture, dated as of February 3, 2003 (the "Indenture"),
pursuant to which the Company has originally issued $100,000,000 in aggregate
principal amount of 9% Senior Notes due 2010 (the "Notes"); and

         WHEREAS, Section 9.01(a)(iv) of the Indenture provides that the
Company, the Subsidiary Guarantors and the Trustee may amend or supplement the
Indenture in order to add any new Subsidiary Guarantor to comply with Section
10.04 thereof, without the consent of the Holders of the Notes; and

         WHEREAS, all acts and things prescribed by the Indenture, by law and by
the charter and the bylaws (or comparable constituent documents) of the Company,
of the Subsidiary Guarantors and of the Trustee necessary to make this
Supplemental Indenture a valid instrument legally binding on the Company, the
Subsidiary Guarantors and the Trustee, in accordance with its terms, have been
duly done and performed;

         NOW, THEREFORE, to comply with the provisions of the Indenture and in
consideration of the above premises, the Company, the Subsidiary Guarantors and
the Trustee covenant and agree for the equal and proportionate benefit of the
respective Holders of the Notes as follows:

                                   ARTICLE 1.

         Section 1.01. This Supplemental Indenture is supplemental to the
Indenture and does and shall be deemed to form a part of, and shall be construed
in connection with and as part of, the Indenture for any and all purposes.

         Section 1.02. This Supplemental Indenture shall become effective
immediately upon its execution and delivery by each of the Company, the
Subsidiary Guarantors and the Trustee.

                                       1
<PAGE>

                                   ARTICLE 2.

         Section 2.01. From this date, in accordance with Section 10.04 and by
executing this Supplemental Indenture and the accompanying notation of
Subsidiary Guarantee (a copy of which is attached hereto), the Subsidiary
Guarantors whose signatures appear below are subject to the provisions of the
Indenture to the extent provided for in Article 10 thereof.

                                   ARTICLE 3.

         Section 3.01. Except as specifically modified herein, the Indenture and
the Notes are in all respects ratified and confirmed (mutatis mutandis) and
shall remain in full force and effect in accordance with their terms with all
capitalized terms used herein without definition having the same respective
meanings ascribed to them as in the Indenture.

         Section 3.02. Except as otherwise expressly provided herein, no duties,
responsibilities or liabilities are assumed, or shall be construed to be
assumed, by the Trustee by reason of this Supplemental Indenture. This
Supplemental Indenture is executed and accepted by the Trustee subject to all
the terms and conditions set forth in the Indenture with the same force and
effect as if those terms and conditions were repeated at length herein and made
applicable to the Trustee with respect hereto.

         Section 3.03. THE LAW OF THE STATE OF NEW YORK SHALL GOVERN AND BE USED
TO CONSTRUE AND ENFORCE THIS SUPPLEMENTAL INDENTURE.

         Section 3.04. The parties may sign any number of copies of this
Supplemental Indenture. Each signed copy shall be an original, but all of such
executed copies together shall represent the same agreement.

                                       2
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental
Indenture to be duly executed, all as of the date first written above.

                             TECHNICAL OLYMPIC USA, INC.

                             By: /s/ Tommy L. McAden
                                 -------------------------------
                                  Tommy L. McAden
                                  Vice President - Finance and Administration
                                  and Chief Financial Officer

                             SUBSIDIARY GUARANTORS:

                             DP-NH Investments, LP
                             DP-NH Management, LLC
                             Engle Homes Delaware, Inc.
                             Newmark Homes, LP
                             Newmark Homes Purchasing, LP
                             Pacific United, LP
                             Silverlake Interests, LC
                             TOUSA Financing, Inc.
                             TOUSA Shared Services, LLC

                             By: /s/ Tommy L. McAden
                                 -------------------------------
                                  Tommy L. McAden
                                  Vice President - Finance and Administration

                                       3
<PAGE>

                                Alliance Insurance and
                                Information Services, LLC
                                Engle Homes Residential
                                Construction, LLC Engle
                                Homes/Virginia, Inc.
                                Engle/James, LLC
                                McKay Landing, LLC
                                Newmark Homes, LLC
                                Preferred Builders Realty, Inc.
                                Preferred Home Mortgage Company
                                Prestige Abstract & Title, LLC
                                Professional Advantage Title, Ltd.
                                The Century Title Agency, Ltd.
                                TOUSA Homes, Inc.
                                TOUSA Ventures, LLC
                                Universal Land Title, Inc.
                                Universal Land Title Investment #1, LLC
                                Universal Land Title Investment #2, LLC
                                Universal Land Title Investment #3, LLC
                                Universal Land Title Investment #4, LLC
                                Universal Land Title of South Florida, Ltd.
                                Universal Land Title of Texas, Inc.
                                Universal Land Title of The Palm Beaches, Ltd.

                                By: /s/ Tommy L. McAden
                                    --------------------------------
                                     Tommy L. McAden
                                     Vice President and Treasurer

                                       4
<PAGE>

                                      TOUSA Associates Services Company

                                      By: /s/ Patricia M. Petersen
                                          -------------------------------
                                           Patricia M. Petersen
                                           Vice President and Secretary

                                      Newmark Homes Business Trust

                                      By: /s/ Terry White
                                          -------------------------------
                                           Name:  Terry White
                                           Title:  Managing Trustee

                                      WELLS FARGO BANK MINNESOTA,
                                      NATIONAL ASSOCIATION, as Trustee

                                      By: /s/ Robert L. Reynolds
                                          -------------------------------
                                           Robert L. Reynolds
                                           Vice President

                                       5<PAGE>

                                                                    EXHIBIT 4.23

                             SUPPLEMENTAL INDENTURE

         This SUPPLEMENTAL INDENTURE, dated as of July 18, 2003 is among
Technical Olympic USA, Inc., a Delaware corporation (the "Company"), each of the
parties identified under the caption "Subsidiary Guarantors" on the signature
page hereto (the "Guarantors") and Wells Fargo Bank Minnesota, National
Association, a national banking association, as Trustee.

                                    RECITALS

         WHEREAS, the Company, certain Subsidiary Guarantors and the Trustee
entered into an Indenture, dated as of June 25, 2002 (the "Indenture"), pursuant
to which the Company has originally issued $150,000,000 in aggregate principal
amount of 10 3/8% Senior Subordinated Notes due 2012 (the "Original Notes") and
issued $35,000,000 in aggregate principal amount of 10 3/8% Senior Subordinated
Notes due 2012 as additional notes (the "Additional Notes") under the Indenture
on April 22, 2003 (collectively, the Original Notes and the Additional Notes are
referred to as the "Notes"); and

         WHEREAS, Section 9.01(a)(iv) of the Indenture provides that the
Company, the Subsidiary Guarantors and the Trustee may amend or supplement the
Indenture in order to add any new Subsidiary Guarantor to comply with Section
10.04 thereof, without the consent of the Holders of the Notes; and

         WHEREAS, all acts and things prescribed by the Indenture, by law and by
the charter and the bylaws (or comparable constituent documents) of the Company,
of the Subsidiary Guarantors and of the Trustee necessary to make this
Supplemental Indenture a valid instrument legally binding on the Company, the
Subsidiary Guarantors and the Trustee, in accordance with its terms, have been
duly done and performed;

         NOW, THEREFORE, to comply with the provisions of the Indenture and in
consideration of the above premises, the Company, the Subsidiary Guarantors and
the Trustee covenant and agree for the equal and proportionate benefit of the
respective Holders of the Notes as follows:

                                   ARTICLE 1.

         Section 1.01. This Supplemental Indenture is supplemental to the
Indenture and does and shall be deemed to form a part of, and shall be construed
in connection with and as part of, the Indenture for any and all purposes.

         Section 1.02. This Supplemental Indenture shall become effective
immediately upon its execution and delivery by each of the Company, the
Subsidiary Guarantors and the Trustee.

                                       1
<PAGE>

                                   ARTICLE 2.

         Section 2.01. From this date, in accordance with Section 10.04 and by
executing this Supplemental Indenture and the accompanying notation of
Subsidiary Guarantee (a copy of which is attached hereto), the Subsidiary
Guarantors whose signatures appear below are subject to the provisions of the
Indenture to the extent provided for in Article 10 thereof.

                                   ARTICLE 3.

         Section 3.01. Except as specifically modified herein, the Indenture and
the Notes are in all respects ratified and confirmed (mutatis mutandis) and
shall remain in full force and effect in accordance with their terms with all
capitalized terms used herein without definition having the same respective
meanings ascribed to them as in the Indenture.

         Section 3.02. Except as otherwise expressly provided herein, no duties,
responsibilities or liabilities are assumed, or shall be construed to be
assumed, by the Trustee by reason of this Supplemental Indenture. This
Supplemental Indenture is executed and accepted by the Trustee subject to all
the terms and conditions set forth in the Indenture with the same force and
effect as if those terms and conditions were repeated at length herein and made
applicable to the Trustee with respect hereto.

         Section 3.03. THE LAW OF THE STATE OF NEW YORK SHALL GOVERN AND BE USED
TO CONSTRUE AND ENFORCE THIS SUPPLEMENTAL INDENTURE.

         Section 3.04. The parties may sign any number of copies of this
Supplemental Indenture. Each signed copy shall be an original, but all of such
executed copies together shall represent the same agreement.

                                       2
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental
Indenture to be duly executed, all as of the date first written above.

                               TECHNICAL OLYMPIC USA, INC.

                               By: /s/ Tommy L. McAden
                                   -------------------------------
                                    Tommy L. McAden
                                    Vice President - Finance and Administration
                                    and Chief Financial Officer

                               SUBSIDIARY GUARANTORS:

                               DP-NH Investments, LP
                               DP-NH Management, LLC
                               Engle Homes Delaware, Inc.
                               Newmark Homes, LP
                               Newmark Homes Purchasing, LP
                               Pacific United, LP
                               Silverlake Interests, LC
                               TOUSA Financing, Inc.
                               TOUSA Shared Services, LLC

                               By: /s/ Tommy L. McAden
                                   -------------------------------
                                    Tommy L. McAden
                                    Vice President - Finance and Administration

                                       3
<PAGE>

                                 Alliance Insurance and
                                 Information Services, LLC
                                 Engle Homes Residential
                                 Construction, LLC Engle
                                 Homes/Virginia, Inc.
                                 Engle/James, LLC
                                 McKay Landing, LLC
                                 Newmark Homes, LLC
                                 Preferred Builders Realty, Inc.
                                 Preferred Home Mortgage Company
                                 Prestige Abstract & Title, LLC
                                 Professional Advantage Title, Ltd.
                                 The Century Title Agency, Ltd.
                                 TOUSA Homes, Inc.
                                 TOUSA Ventures, LLC
                                 Universal Land Title, Inc.
                                 Universal Land Title Investment #1, LLC
                                 Universal Land Title Investment #2, LLC
                                 Universal Land Title Investment #3, LLC
                                 Universal Land Title Investment #4, LLC
                                 Universal Land Title of South Florida, Ltd.
                                 Universal Land Title of Texas, Inc.
                                 Universal Land Title of The Palm Beaches, Ltd.

                                 By: /s/ Tommy L. McAden
                                     --------------------------------
                                      Tommy L. McAden
                                      Vice President and Treasurer

                                       4
<PAGE>

                                           TOUSA Associates Services Company

                                           By: /s/ Patricia M. Petersen
                                               -------------------------------
                                                Patricia M. Petersen
                                                Vice President and Secretary

                                           Newmark Homes Business Trust

                                           By: /s/ Terry White
                                               -------------------------------
                                                Name:  Terry White
                                                Title:  Managing Trustee

                                           WELLS FARGO BANK MINNESOTA,
                                           NATIONAL ASSOCIATION, as Trustee

                                           By: /s/ Robert L. Reynolds
                                               -------------------------------
                                                Robert L. Reynolds
                                                Vice President

                                       5

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