Special Financing Options – Choose the One That Fits You Best
For a limited time, FCB Homes is offering exclusive financing opportunities on select move-in ready homes in Lodi. Secure your new home by November 30, 2025, and choose the program that works best for your budget.
3-2-1 Buydown (Temporary Rate Reduction)*
1st Year: 2.99%* (6.16% APR - Chelsea | 6.76% APR - Wisteria)
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%)
Whether you prefer the upfront savings of a 3-2-1 Buydown or the security of a permanently reduced rate, both programs are designed to make homeownership more affordable.
See Chelsea at Rose Gate Special Financing Offers
See Wisteria Special Financing Offers
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 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. RATES BASED ON 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 FHA LOAN AMOUNT, FULL DOCUMENTATION, AND MINIMUM FICO 720. 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
