Special Financing Options – Choose the One That Fits You Best
Take advantage of limited-time financing offers on select move-in ready homes, valid on purchases before November 30, 2025.
3-2-1 Buydown (Temporary Rate Reduction)
1st Year: 2.99%* (6.16% APR)
2nd Year: 3.99%
3rd Year: 4.99%
Years 4–30: 5.99% Fixed
Permanent Rate Buydown
Permanent Rate: 4.99% (APR varies slightly by home price: 5.12%)
Move-In Ready Homes
Lot 139 - $639,950
3-2-1 Buydown (20% Down) - Conventional 30 Year *
1st Year Rate: 2.99% | 2nd Year: 3.99% | 3rd Year: 4.99% | Years 4–30: 5.99% (6.157% APR) | 20% Down
2.99% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY. 3.99% FOR THE SECOND YEAR ONLY. 4.99% FOR THE THIRD YEAR ONLY. THE PERMANENT RATE FOR YEARS 4–30 IS 5.99% AND IS BASED ON A 780 CREDIT SCORE AND 20% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $511,960, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.99% IS $3,064. THE ANNUAL PERCENTAGE RATE (APR) IS 6.157% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES TAXES OF $635.71 AND INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $3,799.71.
Total Estimated Monthly Payment by Year: Y1 $2,971.00 | Y2 $3,342.00 | Y3 $3,653.00 | Y4–30 $3,799.71
Permanent Rate Buydown - Conventional 30 Year **
Interest Rate: 4.99% (5.126% APR) | 20% Down
THE INTEREST RATE OF 4.99% IS A PERMANENT RATE FOR THE LIFE OF THE LOAN AND IS BASED ON A 780 CREDIT SCORE AND 20% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $511,960, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $2,741. THE ANNUAL PERCENTAGE RATE (APR) IS 5.126% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES ESTIMATED TAXES OF $635.71 AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $3,476.71.
Lot 180 - $749,950
3-2-1 Buydown (20% Down) - Conventional 30 Year *
1st Year Rate: 2.99% | 2nd Year: 3.99% | 3rd Year: 4.99% | Years 4–30: 5.99% (6.157% APR) | 20% Down
2.99% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY. 3.99% FOR THE SECOND YEAR ONLY. 4.99% FOR THE THIRD YEAR ONLY. THE PERMANENT RATE FOR YEARS 4–30 IS 5.99% AND IS BASED ON A 780 CREDIT SCORE AND 20% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $599,960, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.99% IS $3,591. THE ANNUAL PERCENTAGE RATE (APR) IS 6.157% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES TAXES OF $744.79 AND INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,435.79.
Total Estimated Monthly Payment by Year: Y1 $3,480.00 | Y2 $3,905.00 | Y3 $4,250.00 | Y4–30 $4,435.79
Permanent Rate Buydown - Conventional 30 Year **
Interest Rate: 4.99% (5.122% APR) | 20% Down
THE INTEREST RATE OF 4.99% IS A PERMANENT RATE FOR THE LIFE OF THE LOAN AND IS BASED ON A 780 CREDIT SCORE AND 20% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $599,960, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,214. THE ANNUAL PERCENTAGE RATE (APR) IS 5.122% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES ESTIMATED TAXES OF $744.79 AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,058.79.
Total Estimated Monthly Payment: (Y1-30) $4,058.79
Lot 138 - $779,950
3-2-1 Buydown (20% Down) - Conventional 30 Year *
1st Year Rate: 2.99% | 2nd Year: 3.99% | 3rd Year: 4.99% | Years 4–30: 5.99% (6.157% APR) | 20% Down
2.99% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY. 3.99% FOR THE SECOND YEAR ONLY. 4.99% FOR THE THIRD YEAR ONLY. THE PERMANENT RATE FOR YEARS 4–30 IS 5.99% AND IS BASED ON A 780 CREDIT SCORE AND 20% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $623,960, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.99% IS $3,738. THE ANNUAL PERCENTAGE RATE (APR) IS 6.157% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES TAXES OF $774.42 AND INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,612.42.
Total Estimated Monthly Payment by Year: Y1 $3,622.00 | Y2 $4,053.00 | Y3 $4,413.00 | Y4–30 $4,612.42
Permanent Rate Buydown - Conventional 30 Year **
Interest Rate: 4.99% (5.121% APR) | 20% Down
THE INTEREST RATE OF 4.99% IS A PERMANENT RATE FOR THE LIFE OF THE LOAN AND IS BASED ON A 780 CREDIT SCORE AND 20% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $623,960, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,345. THE ANNUAL PERCENTAGE RATE (APR) IS 5.121% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES ESTIMATED TAXES OF $774.42 AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,219.42.
Total Estimated Monthly Payment: (Y1-30) $4,219.42
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 10/15/25 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. LOAN PROMOTIONS ARE AVAILABLE TO QUALIFIED BUYERS WHO SIGN PURCHASE AGREEMENTS ON SELECT HOMES WITH FCB HOMES AND CLOSE ON OR BEFORE 12/31/25, WHEN FINANCING IS PROVIDED BY COAST HOME LOANS (SEE LICENSING INFO BELOW*). THE INTEREST RATE IS NOT GUARANTEED AND IS SUBJECT TO CHANGE WITHOUT NOTICE. THE RATE ABOVE IS BASED ON THE APPLICATION OF 100% OF SELLER-PAID CLOSING COST ASSISTANCE APPLIED TO A TEMPORARY INTEREST RATE BUYDOWN; ASSISTANCE CANNOT EXCEED ACTUAL CLOSING COSTS. OWNER-OCCUPANTS ONLY; SUBJECT TO LOAN-TO-VALUE LIMITS, MAXIMUM CONVENTIONAL LOAN AMOUNT, FULL DOCUMENTATION, AND MINIMUM FICO 780. OTHER SCENARIOS MAY AFFECT RATE AND PRICE. LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE #02050654. NMLS #1689518. BLAKE EAGAL, NMLS #250496.
** RATES ARE CURRENT AS OF 10/15/25 AND SUBJECT TO CHANGE WITHOUT NOTICE. LOAN PROMOTIONS AVAILABLE TO QUALIFIED BUYERS WHO SIGN PURCHASE AGREEMENTS ON SELECT HOMES WITH FCB HOMES AND CLOSE ON OR BEFORE 12/31/25 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 OBTAIN A PERMANENT INTEREST RATE BUYDOWN; ASSISTANCE CANNOT EXCEED 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 RATE AND PRICE. LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE #02050654. NMLS #1689518. BLAKE EAGAL, NMLS #250496.