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CONVENTIONAL $679,950   Lot 328 Wisteria

1st Year Rate: 3.99% | 2nd Year: 4.99% |Permanent (Years 3–30): 5.99% (6.243%​ APR) | 10% Down

​3.99% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY. 4.99% FOR THE 

SECOND YEAR ONLY. THE PERMANENT RATE FOR YEARS 3–30 IS 5.99% AND IS

BASED ON A 780 CREDIT SCORE AND 10% DOWN PAYMENT. THE PRINCIPAL
AND INTEREST PAYMENT ON A $611,955 30-YEAR FIXED-RATE CONVENTIONAL
LOAN AT 3.99% IS $2,917.35 AT 4.99% IS $3,280.82 AND AT 5.99% IS $ 3,664.42.
THE ANNUAL PERCENTAGE RATE (APR) IS 6.243%.  APR IS SUBJECT TO CHANGE AND INCLUDES UP TO ONE BUYER-PAID DISCOUNT POINT. THE TOTAL PAYMENT INCLUDING TAXES OF $673.95, PMI OF $81.59, AND INSURANCE OF $80.00, RESULTING IN A TOTAL ESTIMATED MONTHLY PAYMENT BY YEAR: Y1 $3,753.09 | Y2 $4,116.36 | Y3–30
$4,499.96.


CONVENTIONAL $685,950   Lot 265 Wisteria

1st Year Rate: 3.99% | 2nd Year: 4.99% |Permanent (Years 3–30): 5.99% (6.243%
APR) | 10% Down

3.99% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY. 4.99% FOR THE
SECOND YEAR ONLY. THE PERMANENT RATE FOR YEARS 3–30 IS 5.99% AND IS
BASED ON A 780 CREDIT SCORE AND 10% DOWN PAYMENT. THE PRINCIPAL
AND INTEREST PAYMENT ON A $617,355 30-YEAR FIXED-RATE CONVENTIONAL
LOAN AT 3.99% IS $2,943.79 AT 4.99% IS $3,310.32 AND AT 5.99% IS $ 3,697.39.
THE ANNUAL PERCENTAGE RATE (APR) IS 6.243%.  APR IS SUBJECT TO CHANGE AND INCLUDES UP TO ONE BUYER-PAID DISCOUNT POINT. THE TOTAL PAYMENT INCLUDING TAXES OF $680.23, PMI OF $82.31, AND INSURANCE OF $80.00, RESULTING IN A TOTAL ESTIMATED MONTHLY PAYMENT BY YEAR: Y1|$3,786.33  Y2 $ 4,152.86 | Y3–30 $4,539.93


CONVENTIONAL $705,950                 Lot 354 Wisteria

1st Year Rate: 3.99% | 2nd Year: 4.99% |Permanent (Years 3–30): 5.99% (6.243%
APR) | 10% Down


3.99% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY. 4.99% FOR THE
SECOND YEAR ONLY. THE PERMANENT RATE FOR YEARS 3–30 IS 5.99% AND IS
BASED ON A 780 CREDIT SCORE AND 10% DOWN PAYMENT. THE PRINCIPAL
AND INTEREST PAYMENT ON A $635,355 30-YEAR FIXED-RATE CONVENTIONAL
LOAN AT 3.99% IS $3,029.08 AT 4.99% IS $3,406.23 AND AT 5.99% IS $ 3,804.63.
THE ANNUAL PERCENTAGE RATE (APR) IS 6.243%.  APR IS SUBJECT TO CHANGE AND INCLUDES UP TO ONE BUYER-PAID DISCOUNT POINT. THE TOTAL PAYMENT INCLUDING TAXES OF $699.65, PMI OF $84.71, AND INSURANCE OF $80.00, RESULTING IN A TOTAL ESTIMATED MONTHLY PAYMENT BY YEAR: Y1|$3,893.44  Y2 $ 4,270.59 | Y3–30 $4,668.99


PROMOTIONAL RATES ARE CURRENT AS OF 4/17/26 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
5/31/25, 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.
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