Builder Lock | Property | CMG Financial

Conventional

Rates based on builder concession

Standard rate with as little as 3% down.

Pricing with builder concession

To view repayment scenarios, click the numbers on the chart.

FICO

	620	640	660	680	700	720	740	760	780
3%	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.625% (APR 7.087 %) Monthly Payment $1,645.30 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.625% (APR 7.087 %) Monthly Payment $1,645.30 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.5% (APR 6.958 %) Monthly Payment $1,624.12 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.5% (APR 6.958 %) Monthly Payment $1,624.12 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.375% (APR 6.83 %) Monthly Payment $1,603.05 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.375% (APR 6.83 %) Monthly Payment $1,603.05 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.375% (APR 6.83 %) Monthly Payment $1,603.05 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.25% (APR 6.701 %) Monthly Payment $1,582.10 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3% Term 30 Years Rate 6.25% (APR 6.701 %) Monthly Payment $1,582.10 Does not include mortgage insurance/taxes/homeowners insurance
10%	6.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.875% (APR 7.369 %) Monthly Payment $1,566.18 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.112 %) Monthly Payment $1,526.57 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.112 %) Monthly Payment $1,526.57 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.5% (APR 6.983 %) Monthly Payment $1,506.91 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.5% (APR 6.983 %) Monthly Payment $1,506.91 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.375% (APR 6.854 %) Monthly Payment $1,487.37 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.375% (APR 6.854 %) Monthly Payment $1,487.37 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.25% (APR 6.726 %) Monthly Payment $1,467.93 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.125% (APR 6.597 %) Monthly Payment $1,448.60 Does not include mortgage insurance/taxes/homeowners insurance
20%	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.75% (APR 7.285 %) Monthly Payment $1,374.51 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.625% (APR 7.156 %) Monthly Payment $1,356.95 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.5% (APR 7.027 %) Monthly Payment $1,339.48 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.5% (APR 7.027 %) Monthly Payment $1,339.48 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.375% (APR 6.898 %) Monthly Payment $1,322.11 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.375% (APR 6.898 %) Monthly Payment $1,322.11 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.769 %) Monthly Payment $1,304.83 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.125% (APR 6.64 %) Monthly Payment $1,287.65 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.125% (APR 6.64 %) Monthly Payment $1,287.65 Does not include mortgage insurance/taxes/homeowners insurance
25%	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.5% (APR 7.053 %) Monthly Payment $1,255.76 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.375% (APR 6.924 %) Monthly Payment $1,239.47 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.375% (APR 6.924 %) Monthly Payment $1,239.47 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.794 %) Monthly Payment $1,223.28 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.125% (APR 6.665 %) Monthly Payment $1,207.17 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.125% (APR 6.665 %) Monthly Payment $1,207.17 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.526 %) Monthly Payment $1,189.88 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.526 %) Monthly Payment $1,189.88 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.526 %) Monthly Payment $1,189.88 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

Rates provided for primary residency occupancy on 02/21/2025. Payment example: Home price $264,900, down payment 3.5%, loan amount $255,629, term 30 year, FICO 740, fixed rate 5.75% (APR 6.189%), monthly payment $1,491.78. Monthly payment does not include taxes or insurance.

FHA

Rates based on builder concession

Standard rate with as little as 3.5% down.

Pricing with builder concession

To view repayment scenarios, click the numbers on the chart.

FICO

	580	600	620	640	700	720	740
3.5%	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 6.625% (APR 7.088 %) Monthly Payment $1,636.82 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 6% (APR 6.446 %) Monthly Payment $1,532.62 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 5.99% (APR 6.436 %) Monthly Payment $1,530.98 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 5.875% (APR 6.318 %) Monthly Payment $1,512.14 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 5.75% (APR 6.189 %) Monthly Payment $1,491.78 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 5.75% (APR 6.189 %) Monthly Payment $1,491.78 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 3.5% Term 30 Years Rate 5.75% (APR 6.189 %) Monthly Payment $1,491.78 Does not include mortgage insurance/taxes/homeowners insurance
5%	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6.625% (APR 7.093 %) Monthly Payment $1,611.37 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6% (APR 6.451 %) Monthly Payment $1,508.80 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.322 %) Monthly Payment $1,488.63 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.322 %) Monthly Payment $1,488.63 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194 %) Monthly Payment $1,468.59 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194 %) Monthly Payment $1,468.59 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194 %) Monthly Payment $1,468.59 Does not include mortgage insurance/taxes/homeowners insurance
10%	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.112 %) Monthly Payment $1,526.57 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6% (APR 6.469 %) Monthly Payment $1,429.39 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.34 %) Monthly Payment $1,410.29 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.34 %) Monthly Payment $1,410.29 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211 %) Monthly Payment $1,391.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211 %) Monthly Payment $1,391.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211 %) Monthly Payment $1,391.30 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 6%.

Rates provided for primary residency occupancy on 02/21/2025. Payment example: Home price $264,900, down payment 3.5%, loan amount $255,629, term 30 year, FICO 740, fixed rate 5.75% (APR 6.189%), monthly payment $1,491.78. Monthly payment does not include taxes or insurance.

VA

Rates based on builder concession

Standard rate with as little as 0% down.

Pricing with builder concession

To view repayment scenarios, click the numbers on the chart.

FICO

	580	600	620	640	700	720	740
0%	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 6.75% (APR 7.206 %) Monthly Payment $1,718.14 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 6.5% (APR 6.949 %) Monthly Payment $1,674.35 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 5.99% (APR 6.425 %) Monthly Payment $1,586.51 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 5.875% (APR 6.307 %) Monthly Payment $1,566.98 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 5.875% (APR 6.307 %) Monthly Payment $1,566.98 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 5.75% (APR 6.178 %) Monthly Payment $1,545.88 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 0% Term 30 Years Rate 5.75% (APR 6.178 %) Monthly Payment $1,545.88 Does not include mortgage insurance/taxes/homeowners insurance
5%	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6.625% (APR 7.093 %) Monthly Payment $1,611.37 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6% (APR 6.451 %) Monthly Payment $1,508.80 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.322 %) Monthly Payment $1,488.63 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.322 %) Monthly Payment $1,488.63 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194 %) Monthly Payment $1,468.59 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194 %) Monthly Payment $1,468.59 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194 %) Monthly Payment $1,468.59 Does not include mortgage insurance/taxes/homeowners insurance
10%	6.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.112 %) Monthly Payment $1,526.57 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6% (APR 6.469 %) Monthly Payment $1,429.39 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.34 %) Monthly Payment $1,410.29 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.34 %) Monthly Payment $1,410.29 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211 %) Monthly Payment $1,391.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211 %) Monthly Payment $1,391.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211 %) Monthly Payment $1,391.30 Does not include mortgage insurance/taxes/homeowners insurance
20%	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.5% (APR 7.027 %) Monthly Payment $1,339.48 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.5 %) Monthly Payment $1,269.21 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 5.875% (APR 6.382 %) Monthly Payment $1,253.59 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.253 %) Monthly Payment $1,236.71 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.253 %) Monthly Payment $1,236.71 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.124 %) Monthly Payment $1,219.93 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.124 %) Monthly Payment $1,219.93 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

Rates provided for primary residency occupancy on 02/21/2025. Payment example: Home price $264,900, down payment 3.5%, loan amount $255,629, term 30 year, FICO 740, fixed rate 5.75% (APR 6.189%), monthly payment $1,491.78. Monthly payment does not include taxes or insurance.

10/6 ARM

Rates based on builder concession

Standard rate with as little as 5% down.

Pricing with builder concession

To view repayment scenarios, click the numbers on the chart.

FICO

	620	640	660	680	700	720	740	760	780
5%		7.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 7.5% (APR 7.994 %) Monthly Payment $1,759.61 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 7.25% (APR 7.737 %) Monthly Payment $1,716.73 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 7.25% (APR 7.737 %) Monthly Payment $1,716.73 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 7.25% (APR 7.737 %) Monthly Payment $1,716.73 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6.75% (APR 7.222 %) Monthly Payment $1,632.23 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6.75% (APR 7.222 %) Monthly Payment $1,632.23 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6.75% (APR 7.222 %) Monthly Payment $1,632.23 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 5% Term 30 Years Rate 6.75% (APR 7.222 %) Monthly Payment $1,632.23 Does not include mortgage insurance/taxes/homeowners insurance
10%		7.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 7.25% (APR 7.756 %) Monthly Payment $1,626.38 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 7.25% (APR 7.756 %) Monthly Payment $1,626.38 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.99% (APR 7.488 %) Monthly Payment $1,584.55 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.75% (APR 7.241 %) Monthly Payment $1,546.32 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.75% (APR 7.241 %) Monthly Payment $1,546.32 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.75% (APR 7.241 %) Monthly Payment $1,546.32 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.75% (APR 7.241 %) Monthly Payment $1,546.32 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 10% Term 30 Years Rate 6.25% (APR 6.726 %) Monthly Payment $1,467.93 Does not include mortgage insurance/taxes/homeowners insurance
20%		7.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 7.25% (APR 7.802 %) Monthly Payment $1,445.67 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.99% (APR 7.533 %) Monthly Payment $1,408.49 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.75% (APR 7.285 %) Monthly Payment $1,374.51 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.75% (APR 7.285 %) Monthly Payment $1,374.51 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.75% (APR 7.285 %) Monthly Payment $1,374.51 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.5% (APR 7.027 %) Monthly Payment $1,339.48 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.769 %) Monthly Payment $1,304.83 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.769 %) Monthly Payment $1,304.83 Does not include mortgage insurance/taxes/homeowners insurance
25%	6.990 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.99% (APR 7.56 %) Monthly Payment $1,320.46 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.75% (APR 7.311 %) Monthly Payment $1,288.60 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.75% (APR 7.311 %) Monthly Payment $1,288.60 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.5% (APR 7.053 %) Monthly Payment $1,255.76 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.794 %) Monthly Payment $1,223.28 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.794 %) Monthly Payment $1,223.28 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.794 %) Monthly Payment $1,223.28 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.794 %) Monthly Payment $1,223.28 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 02/21/2025 Home Price $264,900 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.794 %) Monthly Payment $1,223.28 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

Rates provided for primary residency occupancy on 02/21/2025. Payment example: Home price $264,900, down payment 3.5%, loan amount $255,629, term 30 year, FICO 740, fixed rate 5.75% (APR 6.189%), monthly payment $1,491.78. Monthly payment does not include taxes or insurance. Post Introductory Period Example: Interest Rate = SOFR + Margin. Payment can adjust every 6 months. Sample Repayments at month 120 with balance of $200,831.13: 3% Margin, 4.00% SOFR (11/13/25), 7% variable rate, $1,557.04 monthly payment. At max interest rate of 11.25% payment is $2,107.23.

Builder Spec Rate Locks

Rate Advertised: 5.750% (APR 6.189%)*

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5

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FHA

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VA

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