Limited Time Opportunity
Make This Holiday Season Extra Bright—Own a New Home With Special Savings
For a limited time, FCB Homes is offering a permanent rate buydown on select move-in-ready homes in Lodi. Purchase your home by December 31, 2025, with closing on or before January 31, 2026, and enjoy the gift of lasting savings.
1-0 Temporary Buydown
Year 1 Rate: 4.49%
Permanent Rate (Years 2–30): 5.49% (APR varies slightly by home price: ~5.63%)
10% Down Payment Required
Move-In Ready Homes
Lot 251 - $608,950
1-0 Buydown (10% Down) -
1st Year Rate: 4.49% | Permanent Rate (Years 2-30): 5.49% (5.636% APR) | 10% Down
4.49% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY AS PART OF A 1-0 TEMPORARY INTEREST RATE BUYDOWN. THE PERMANENT RATE FOR YEARS 2–30 IS 5.49% AND IS BASED ON A 780 CREDIT SCORE AND A 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $548,055, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.49% IS $3,108.35. THE ANNUAL PERCENTAGE RATE (APR) IS 5.636% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $68.51, TAXES OF $604.54, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $3,881.40.
Total Estimated Monthly Payments:
- Year 1: $3,600.00 (at 4.49%)
- Years 2–30: $3,881.40 (at 5.49%)
Act Now! Contact a sales associate to review which program works best for your situation and see full details on available homes.
Licensing / Disclaimers
*RATES ARE CURRENT AS OF 12/10/25 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. LOAN PROMOTIONS ARE AVAILABLE TO QUALIFIED HOMEBUYERS WHO SIGN PURCHASE AGREEMENTS ON SELECT HOMES WITH FCB HOMES AND CLOSE ON OR BEFORE JANUARY 31, 2026, WHEN FINANCING IS PROVIDED BY COAST HOME LOANS (SEE LICENSING INFORMATION BELOW*). THE RATE ABOVE IS BASED ON THE APPLICATION OF 100% OF SELLER-PAID CLOSING COST ASSISTANCE APPLIED TO BOTH A PERMANENT INTEREST RATE BUYDOWN AND A TEMPORARY 1-0 BUYDOWN. THE TOTAL AMOUNT OF ASSISTANCE CANNOT EXCEED THE BUYER’S ACTUAL CLOSING COSTS. OWNER-OCCUPANTS ONLY; SUBJECT TO LOAN-TO-VALUE LIMITS, MAXIMUM CONVENTIONAL LOAN AMOUNT, FULL DOCUMENTATION, AND MINIMUM FICO OF 780. OTHER SCENARIOS MAY AFFECT THE RATE AND PRICE.
LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE #02050654. NMLS #1689518. BLAKE EAGAL, NMLS #250496.