Special Financing Options – Choose the One That Fits You Best
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 FHA (Temporary Rate Reduction)
1st Year: 2.99%* (6.76% 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
Permanent Rate Buydown - Conventional 30 Year**
Interest Rate: 4.99% (5.126% APR) | 10% Down Payment
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 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $602,055, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,228. THE ANNUAL PERCENTAGE RATE (APR) IS 5.126% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $75.26, TAXES OF $663.38, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,066.64.
Lot 232 - $679,950
3-2-1 Buydown (3.5% Down) - FHA*
1st Year Rate: 2.99% | 2nd Year: 3.99% | 3rd Year: 4.99% | Years 4–30: 5.99% (6.760% APR) | 3.5% 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. PERMANENT RATE YEARS 4–30 IS 5.99% BASED ON 720 CREDIT SCORE AND 3.5% DOWN. THE PRINCIPAL AND INTEREST PAYMENT ON A $667,633 30-YR FIXED FHA LOAN AT 5.99% IS $4,001. APR 6.760%. QUOTE INCLUDES MORTGAGE INSURANCE $293.92, TAX $674.70, INSURANCE $100 → TOTAL MONTHLY PAYMENT OF $5,069.62.
Est. Monthly Payment by Year: Y1 $3,891.00 | Y2 $4,270.00 | Y3 $4,686.00 | Y4–30 $5,069.62
Permanent Rate Buydown - Conventional 30 Year**
Interest Rate: 4.99% (5.122% APR) | 10% Down Payment
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 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $611,955, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,280. THE ANNUAL PERCENTAGE RATE (APR) IS 5.122% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $76.49, TAXES OF $674.70, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,131.19.
Lot 328 - $681,950
3-2-1 Buydown (3.5% Down) - FHA*
1st Year Rate: 2.99% | 2nd Year: 3.99% | 3rd Year: 4.99% | Years 4–30: 5.99% (6.760% APR) | 3.5% 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. PERMANENT RATE YEARS 4–30 IS 5.99% BASED ON 720 CREDIT SCORE AND 3.5% DOWN. THE PRINCIPAL AND INTEREST PAYMENT ON A $669,597 30-YR FIXED FHA LOAN AT 5.99% IS $4,013. APR 6.760%. QUOTE INCLUDES MORTGAGE INSURANCE $294.78, TAX $676.94, INSURANCE $100 → TOTAL MONTHLY PAYMENT OF $5,084.72.
Est. Monthly Payment by Year: Y1 $3,903.00 | Y2 $4,283.00 | Y3 $4,700.00 | Y4–30 $5,084.72
Permanent Rate Buydown - Conventional 30 Year**
Interest Rate: 4.99% (5.121% APR) | 10% Down Payment
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 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $613,755, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,289. THE ANNUAL PERCENTAGE RATE (APR) IS 5.121% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $76.72, TAXES OF $676.94, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,142.66.
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