Summer to Save
4.990% or Up to $30K in Savings
From Now Until July 31st, 2025
Start Saving Now
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.
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.
Start Saving Today
Eligible buyers can receive a 30-year fixed-rate mortgage with a 4.990% interest rate (5.999% APR) on select Move-In-Ready homes using Conventional, FHA, or VA financing—with as little as 3.5% down. To qualify, the home must be under contract by July 31, 2025, and close within 90 days of a signed purchase agreement. Buyers must apply and fund their loan through OneTrust Home Loans. Offer subject to loan program terms and buyer qualification. This incentive is not available for Personalized (Pre-Sold) homes due to their extended construction timeline.
Buyer incentive 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
Rate Financing Disclaimers:
*Conventional Loans: The advertised loan is a Conventional 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 $230,493 loan, there is a 5.232% APR with a monthly principal and interest payment of $1,235.93 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 70% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Payments shown do not include taxes and insurance actual payment obligations will be greater.
*FHA Loans: 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. 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 $324,158.05 loan, there is a 5.999% APR with a monthly principal and interest payment of $1,738.17 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 95% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Payments shown do not include taxes and insurance actual payment obligations will be greater.
*VA Loans: This is a VA program. Current guidelines for VA Financing can be found at http://www.benefits.va.gov/homeloans/index.asp. The advertised loan is a VA 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 $312,812 loan, there is a 5.520% APR with a monthly principal and interest payment of $1,737.71 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 95% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Payments shown do not include taxes and insurance actual payment obligations will be greater.
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/.
These promotional interest rate(s) are available on Move-In-Ready homes that are under contract by August 31, 2025, and close within 90 days of a signed purchase agreement. These rate(s) are not available for Personalized (Pre-Sold) homes due to the extended construction timeline. The actual interest rate(s), APR(s), and payment(s) 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. Not all applicants will qualify. Rates and terms are effective June 20, 2025, and are subject to change without notice. Other terms and programs are available. The home loan application must be dated on or before August 31, 2025, and must fund with OneTrust Home Loans to receive the promotional rate(s). This offer cannot be combined with other promotions. Other restrictions may apply; please ask your Mortgage Loan Originator for more details. You are free to finance your home purchase transaction with any lender you want, but the Promotional Interest Rate(s) and APR(s) shown are only applicable if you finance your home purchase with OneTrust Home Loans.