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Summer to Save

4.990% or Up to $30K in Savings

From Now Until July 31st, 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 July 31st, 2025, choose what works best for you: A 4.990% (5.999% APR) 30 year fixed interest rate or up to $30k toward your home. For Move-In-Ready homes closing within the next 90 days: Lock in this low rate to lower your monthly payment, or use your savings toward closing costs, prepaid expenses, or HOA prepayments. Building a Personalized home? Apply your savings toward design selections, closing costs, and more.

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Lower Your Monthly Payment or Save Up to $30k

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

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

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

3. Use these savings to Personalize your home with design selections that bring your style and vision to life.

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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 July 31st, 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 be applied toward closing costs, prepaid expenses, HOA prepayments & eligible home selections. 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 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 until July 31st, 2025

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