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%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 7.375% (APR 7.772 %) Monthly Payment $1,929.47 Does not include mortgage insurance/taxes/homeowners insurance	7.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 7.125% (APR 7.516 %) Monthly Payment $1,882.10 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.99% (APR 7.378 %) Monthly Payment $1,856.71 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.99% (APR 7.378 %) Monthly Payment $1,856.71 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.875% (APR 7.26 %) Monthly Payment $1,835.20 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.875% (APR 7.26 %) Monthly Payment $1,835.20 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.625% (APR 7.004 %) Monthly Payment $1,788.77 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.625% (APR 7.004 %) Monthly Payment $1,788.77 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3% Term 30 Years Rate 6.625% (APR 7.004 %) Monthly Payment $1,788.77 Does not include mortgage insurance/taxes/homeowners insurance
10%	7.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.625% (APR 8.048 %) Monthly Payment $1,834.60 Does not include mortgage insurance/taxes/homeowners insurance	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.375% (APR 7.792 %) Monthly Payment $1,790.23 Does not include mortgage insurance/taxes/homeowners insurance	7.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.125% (APR 7.535 %) Monthly Payment $1,746.28 Does not include mortgage insurance/taxes/homeowners insurance	7.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.125% (APR 7.535 %) Monthly Payment $1,746.28 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.99% (APR 7.397 %) Monthly Payment $1,722.72 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.875% (APR 7.279 %) Monthly Payment $1,702.76 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.875% (APR 7.279 %) Monthly Payment $1,702.76 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.023 %) Monthly Payment $1,659.69 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.5% (APR 6.895 %) Monthly Payment $1,638.32 Does not include mortgage insurance/taxes/homeowners insurance
20%	7.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.5% (APR 7.954 %) Monthly Payment $1,610.99 Does not include mortgage insurance/taxes/homeowners insurance	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.375% (APR 7.825 %) Monthly Payment $1,591.32 Does not include mortgage insurance/taxes/homeowners insurance	7.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.125% (APR 7.568 %) Monthly Payment $1,552.25 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.99% (APR 7.43 %) Monthly Payment $1,531.31 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.875% (APR 7.312 %) Monthly Payment $1,513.56 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.875% (APR 7.312 %) Monthly Payment $1,513.56 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.625% (APR 7.055 %) Monthly Payment $1,475.28 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.625% (APR 7.055 %) Monthly Payment $1,475.28 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.5% (APR 6.927 %) Monthly Payment $1,456.28 Does not include mortgage insurance/taxes/homeowners insurance
25%	7.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 7.125% (APR 7.588 %) Monthly Payment $1,455.23 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.875% (APR 7.331 %) Monthly Payment $1,418.97 Does not include mortgage insurance/taxes/homeowners insurance	6.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.875% (APR 7.331 %) Monthly Payment $1,418.97 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.625% (APR 7.074 %) Monthly Payment $1,383.07 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.625% (APR 7.074 %) Monthly Payment $1,383.07 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.5% (APR 6.946 %) Monthly Payment $1,365.27 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.5% (APR 6.946 %) Monthly Payment $1,365.27 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.375% (APR 6.817 %) Monthly Payment $1,347.56 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.375% (APR 6.817 %) Monthly Payment $1,347.56 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 11/28/2024. Payment example: Home price $288,000, down payment 3.5%, loan amount $277,920, term 30 year, FICO 740, fixed rate 5.875% (APR 6.239%), monthly payment $1,644.00. 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%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 7.375% (APR 7.774 %) Monthly Payment $1,919.52 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 6.75% (APR 7.134 %) Monthly Payment $1,802.58 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 6.5% (APR 6.878 %) Monthly Payment $1,756.64 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 6.125% (APR 6.494 %) Monthly Payment $1,688.67 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 5.99% (APR 6.356 %) Monthly Payment $1,664.48 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 5.875% (APR 6.239 %) Monthly Payment $1,644.00 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 3.5% Term 30 Years Rate 5.875% (APR 6.239 %) Monthly Payment $1,644.00 Does not include mortgage insurance/taxes/homeowners insurance
5%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 7.375% (APR 7.777 %) Monthly Payment $1,889.69 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 6.75% (APR 7.137 %) Monthly Payment $1,774.56 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 6.5% (APR 6.881 %) Monthly Payment $1,729.34 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 6.125% (APR 6.498 %) Monthly Payment $1,662.42 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 5.99% (APR 6.36 %) Monthly Payment $1,638.61 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.242 %) Monthly Payment $1,618.45 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.242 %) Monthly Payment $1,618.45 Does not include mortgage insurance/taxes/homeowners insurance
10%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.375% (APR 7.792 %) Monthly Payment $1,790.23 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.023 %) Monthly Payment $1,659.69 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.375% (APR 6.767 %) Monthly Payment $1,617.07 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6% (APR 6.383 %) Monthly Payment $1,554.03 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.255 %) Monthly Payment $1,533.27 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.255 %) Monthly Payment $1,533.27 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.127 %) Monthly Payment $1,512.62 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 11/28/2024. Payment example: Home price $288,000, down payment 3.5%, loan amount $277,920, term 30 year, FICO 740, fixed rate 5.875% (APR 6.239%), monthly payment $1,644.00. 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%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 7.375% (APR 7.765 %) Monthly Payment $1,989.14 Does not include mortgage insurance/taxes/homeowners insurance	7.000 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 7% (APR 7.381 %) Monthly Payment $1,916.07 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 6.5% (APR 6.869 %) Monthly Payment $1,820.36 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 6.125% (APR 6.486 %) Monthly Payment $1,749.92 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 5.99% (APR 6.348 %) Monthly Payment $1,724.85 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 5.875% (APR 6.231 %) Monthly Payment $1,703.63 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 0% Term 30 Years Rate 5.875% (APR 6.231 %) Monthly Payment $1,703.63 Does not include mortgage insurance/taxes/homeowners insurance
5%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 7.375% (APR 7.777 %) Monthly Payment $1,889.69 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 6.75% (APR 7.137 %) Monthly Payment $1,774.56 Does not include mortgage insurance/taxes/homeowners insurance	6.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 6.5% (APR 6.881 %) Monthly Payment $1,729.34 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 6.125% (APR 6.498 %) Monthly Payment $1,662.42 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 5.99% (APR 6.36 %) Monthly Payment $1,638.61 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.242 %) Monthly Payment $1,618.45 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.242 %) Monthly Payment $1,618.45 Does not include mortgage insurance/taxes/homeowners insurance
10%	7.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.375% (APR 7.792 %) Monthly Payment $1,790.23 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.625% (APR 7.023 %) Monthly Payment $1,659.69 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6.375% (APR 6.767 %) Monthly Payment $1,617.07 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 6% (APR 6.383 %) Monthly Payment $1,554.03 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.255 %) Monthly Payment $1,533.27 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.255 %) Monthly Payment $1,533.27 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.127 %) Monthly Payment $1,512.62 Does not include mortgage insurance/taxes/homeowners insurance
20%	7.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.125% (APR 7.568 %) Monthly Payment $1,552.25 Does not include mortgage insurance/taxes/homeowners insurance	6.625 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.625% (APR 7.055 %) Monthly Payment $1,475.28 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 6.125% (APR 6.542 %) Monthly Payment $1,399.93 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.403 %) Monthly Payment $1,379.88 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.157 %) Monthly Payment $1,344.55 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.157 %) Monthly Payment $1,344.55 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.157 %) Monthly Payment $1,344.55 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 11/28/2024. Payment example: Home price $288,000, down payment 3.5%, loan amount $277,920, term 30 year, FICO 740, fixed rate 5.875% (APR 6.239%), monthly payment $1,644.00. 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

	680	700	720	740	760	780
5%						7.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 5% Term 30 Years Rate 7.5% (APR 7.906 %) Monthly Payment $1,913.05 Does not include mortgage insurance/taxes/homeowners insurance
10%					7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.25% (APR 7.663 %) Monthly Payment $1,768.20 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 10% Term 30 Years Rate 7.25% (APR 7.663 %) Monthly Payment $1,768.20 Does not include mortgage insurance/taxes/homeowners insurance
20%				7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.25% (APR 7.697 %) Monthly Payment $1,571.73 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.25% (APR 7.697 %) Monthly Payment $1,571.73 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 20% Term 30 Years Rate 7.25% (APR 7.697 %) Monthly Payment $1,571.73 Does not include mortgage insurance/taxes/homeowners insurance
25%	7.500 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 7.5% (APR 7.974 %) Monthly Payment $1,510.30 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 7.25% (APR 7.717 %) Monthly Payment $1,473.50 Does not include mortgage insurance/taxes/homeowners insurance	7.250 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 7.25% (APR 7.717 %) Monthly Payment $1,473.50 Does not include mortgage insurance/taxes/homeowners insurance	6.990 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.99% (APR 7.449 %) Monthly Payment $1,435.60 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.75% (APR 7.203 %) Monthly Payment $1,400.97 Does not include mortgage insurance/taxes/homeowners insurance	6.750 % Repayment × Rates provided for primary residency occupancy on 11/28/2024 Home Price $288,000 Down Payment 25% Term 30 Years Rate 6.75% (APR 7.203 %) Monthly Payment $1,400.97 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 11/28/2024. Payment example: Home price $288,000, down payment 3.5%, loan amount $277,920, term 30 year, FICO 740, fixed rate 5.875% (APR 6.239%), monthly payment $1,644.00. 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 $184,250.16: 3% Margin, 3.66% SOFR (12/18/25), 6.625% variable rate, $1,387.31 monthly payment. At max interest rate of 11.75% payment is $1,996.73.

Builder Spec Rate Locks

Rate Advertised: 5.875% (APR 6.239%)*

Have questions? Reach out to me!

5

Conventional

Rates based on builder concession

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

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

FHA

Rates based on builder concession

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

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

VA

Rates based on builder concession

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

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment

Repayment