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Summer to Save

Up to $30k or 4.99% Today

From Now Until June 13th, 2025

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Summer to Save

Summer’s here and so are big savings on your new home. When you’re under contract by June 13th, 2025, you can choose what works best for you: A 4.990% 30 year fixed interest rate or up to $30,000 toward your home. For Move-In-Ready homes closing in the next 90 days: Secure a 4.990% fixed rate (5.999% APR) to lower your monthly payment, or use your savings for a price reduction, closing costs, or extras like a washer and dryer, blinds, or fencing. Building a Personalized home instead? Apply your savings toward design selections, closing costs, and more—just be under contract by May 31, 2025 to qualify.

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Lower Your Purchase Price or Monthly Payment

Use your savings in the way that works best for you by choosing to:

1. Lower your purchase price up to $30k, helping to keep your overall costs more affordable.

2. Qualify for an interest rate as low as 4.990% (5.999% APR), reducing your monthly payment and saving you money month after month.

3. Cover your closing costs, making homeownership more accessible and reducing your upfront expenses.

4. Add personalized extras to your home: For Move-In-Ready homes apply towards options like: blinds, washer and dryer, or fencing. Or when building a Personalized home use these savings on upgraded selections.

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Eligible buyers may receive a 30-year fixed-rate mortgage with a 4.990% interest rate (5.999% APR) on select Move-In-Ready homes on conventional, FHA and VA loan types. This incentive is available only for homes that are under contract by June 13th, 2025 and close within 90 days of a signed purchase agreement. The 4.990% interest rate is available for buyers using VA, FHA, or Conventional financing with as little as 3.5% down. Offer is subject to loan program terms and buyer qualification. Buyers must submit a home loan application and fund their loan through OneTrust Home Loans to receive the promotional rate. This rate is not available for Personalized (Pre-Sold) homes due to the extended construction timeline. Savings may also be applied toward a price reduction, closing costs, or eligible add-ons such as washer and dryer, blinds, or fencing (for Move-In-Ready homes), and design selections and closing costs (for Personalized homes). Tiered Savings Structure: • Homes priced $399,000 and under: Save $15,000 • Homes priced $400,000–$499,999: Save $20,000 • Homes priced $500,000–$599,999: Save $25,000 • Homes priced $600,000 and up: Save $30,000 *Incentive has been applied in the form of a purchase price reduction on Move-In-Ready homes One Trust Financial Disclaimer: Regulated by Montana Division of Banking & Financial Institutions, License #2692585. CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. *The advertised loan is a FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 4.990% for 360 months. The disclosed APR is based on the payment of 1.5 discount points. For a $329,276 loan, there is a 5.999% APR with a monthly principal and interest payment of $1,796.51 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 96.5% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown do not include taxes and insurance actual payment obligations will be greater. This is an FHA program. Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing. Not all applicants will qualify. Rates and terms are subject to change without notice. Other terms are available. The home loan application must be dated on or before July 31, 2025, and must fund with OneTrust Home Loans to receive the promotional rate. This offer cannot be combined with other promotions. Other restrictions may apply; please ask your Mortgage Loan Originator for more details. The promo is subject to change without notice.

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Your Summer to Save: Up to $30k or 4.990% Today

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