<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>13
<FILENAME>d92411ex99-3.txt
<DESCRIPTION>EX-99.3 CONSENT OF BANC OF AMERICA SECURITIES LLC
<TEXT>
<PAGE>
                                                                   EXHIBIT 99.3


                                     CONSENT

         The undersigned hereby consents to the inclusion of his name in the
Joint Proxy Statement/Prospectus constituting a part of this Registration
Statement on Form S-4 of D.R. Horton, Inc. ("D.R. Horton") as a person to become
a director of D.R. Horton following completion of the merger of Schuler Homes,
Inc. with and into D.R. Horton.

         Dated as of this 20th day of November 2001.


                                             /s/ JAMES K. SCHULER
                                             ----------------------------------
                                             James K. Schuler


</TEXT>
</DOCUMENT>