Fall Into Savings on Select Move-In Ready Homes

Select move-in ready homes are available now with special financing offers for a limited time. Thoughtfully designed and quality-crafted, these homes feature modern finishes, energy-efficient features, and the comfort of being ready when you are — just in time for the holidays.

*Loan promotions are valid for new buyers on new contracts with FCB Homes when financing is provided by Coast Home Loans. Special financing promotions are available on the purchase of new move-in-ready homes that are purchased before 10/31/25 and close by 11/30/25. Financing is for owner-occupants only. Must be a qualified borrower. Additional restrictions apply. See Lender for more information. This offer is subject to change without prior notice or obligation. This is a limited-time offer. This offer may not be combined with any other offer and is not applicable to homes sold through an outside Broker. The actual cost of the promotional rate buydown is determined at the time of the Buyer’s rate-lock

CONVENTIONAL - Rate 5.49% (6.505 APR)

Conventional – 30 Year Fixed

Example is based on a sales price of $689,950 and a 30-year, fixed-rate Conventional loan with an interest rate of 5.49% and a 20% down payment. Total loan amount is $551,960. Monthly principal and interest payment = $3,130.51. APR = 6.505%. Taxes, hazard insurance and other costs are not calculated in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum loan-to-value ratio of 80%, qualification using full documentation and a minimum FICO score of 780. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the lesser of the county limit or $806,500. Not valid on loans already locked with Coast Home Loans.

CONVENTIONAL 7/6 ARM - Rate 4.75% (4.921 APR)

Conventional – 7/6 ARM

Example is based on a sales price of $689,950 and a 30-year, 7/6 adjustable-rate Conventional mortgage with an initial interest rate of 4.75% (monthly payments 1-84) (4.921% APR). Subsequent rate changes in months 85-360 are based on the fully indexed rate, which is 6.25% as of September 15, 2025. APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of September 15, 2025, and are subject to change. The total loan amount is $551,960, requiring a 20% down payment. Monthly principal and interest payments for the first seven years = $2,879.28. After the first seven years, the principal and interest payments adjust every 6 months based on the applicable index plus a 2.0% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 84 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. Maximum rate increase on the first interest rate change date is 5%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 9.75%. Taxes, hazard insurance and other costs are not calculated in the above payment; actual payment will be higher and may vary over the life of the loan. Financing is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, qualification using full documentation and a minimum FICO score of 780. Loan amount cannot exceed the lesser of the county limit or $806,500. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with Coast Home Loans.

FHA - Rate 4.99% (6.075 APR)

FHA – 30 Year Fixed

Example is based on a sales price of $689,950 and a 30-year, fixed-rate FHA loan with an interest rate of 4.99% and a 3.50% down payment. Total loan amount, including the 1.75% upfront mortgage insurance premium, is $677,453.28. Monthly principal and interest payment = $3,632.58. APR = 6.075%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 96.5% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 720. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the lesser of the county limit or $766,550. Not valid on loans already locked with Coast Home Loans.

FHA 5/1 ARM - Rate 4.625% (6.816 APR)

FHA – 5/1 ARM

Example is based on a sales price of $689,950 and a 30-year, 5/1 adjustable-rate FHA mortgage with an initial interest rate of 4.625% (monthly payments 1-60) (6.816% APR). Subsequent rate changes in months 61-360 are based on the fully indexed rate, which is 6.25% as of September 15, 2025. APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of September 15, 2025, and are subject to change. The total loan amount including the 1.75% upfront mortgage insurance premium is $677,453.28, requiring a 3.5% down payment. Monthly principal and interest payments for the first five years = $3,483.06. After the first five years, the principal and interest payments adjust every 12 months based on the 1-year Constant Maturity Treasury (CMT) Index plus a 2.0% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 60 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. Maximum rate increase on first interest rate change date is 1%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 9.625%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher and may vary over the life of the loan. Financing is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, qualification using full documentation and a minimum FICO score of 720. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the lesser of the FHA county limit or $766,550. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with Coast Home Loans.

VA 5/1 ARM - Rate 4.625% (6.112 APR)

VA – 5/1 ARM

Example is based on a sales price of $689,950 and a 30-year, 5/1 adjustable-rate VA mortgage with an initial interest rate of 4.625% (monthly payments 1-60) (6.112% APR). Subsequent rate changes in months 61-360 are based on the fully indexed rate, which is 6.25% as of September 15, 2025. APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of September 15, 2025, and are subject to change. The total loan amount is $689,950, requiring 0% down payment. Monthly principal and interest payments for the first five years = $3,547.31. After the first five years, the principal and interest payments adjust every 12 months based on the 1-year Constant Maturity Treasury (CMT) Index plus a 2.0% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 60 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. Maximum rate increase on first interest rate change date is 1%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 9.625%. Taxes, hazard insurance and VA funding fees (if applicable) are not calculated in the above payment; actual payment will be higher and may vary over the life of the loan. Financing is available to owner occupants only and is subject to VA eligibility requirements, a debt-to-income ratio of 43% or less, qualification using full documentation and a minimum FICO score of 720. Loan amount cannot exceed the VA county loan limit. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with Coast Home Loans.

VA Fixed - Rate 4.99% (5.342 APR)

VA – 30 Year Fixed

Example is based on a sales price of $689,950 and a 30-year, fixed-rate VA loan with an interest rate of 4.99% and 0% down payment. Total loan amount is $689,950. Monthly principal and interest payment = $3,699.59. APR = 5.342%. Taxes, hazard insurance and funding fees (if applicable) are not included in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to VA eligibility requirements, a debt-to-income ratio of 43% or less, qualification using full documentation and a minimum FICO score of 720. Other FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the VA county loan limit. Not valid on loans already locked with Coast Home Loans.