Make This Holiday Season Extra Bright—Own a New Home With Special Savings
For a limited time, FCB Homes is offering a permanent rate buydown on select move-in-ready homes in Lodi. Purchase your home by December 31, 2025, with closing on or before January 31, 2026, and enjoy the gift of lasting savings.
Permanent Rate Buydown
Permanent Rate: 4.99% (APR varies slightly by home price: 5.12%)
Move-In Ready Homes
Interest Rate: 4.99% (5.131% 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 $593,955 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,185. THE ANNUAL PERCENTAGE RATE (APR) IS 5.131% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $85.50, TAXES OF $641.25, AND HOMEOWNERS INSURANCE OF $78.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $3,989.75.
Lot 232 - $679,950
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 231 - $739,950
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 $665,955, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 4.99% IS $3,574. THE ANNUAL PERCENTAGE RATE (APR) IS 5.126% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $83.24, TAXES OF $734.21, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,491.45.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 12/3/25 AND SUBJECT TO CHANGE WITHOUT NOTICE. LOAN PROMOTIONS AVAILABLE TO QUALIFIED BUYERS WHO SIGN PURCHASE AGREEMENTS ON SELECT HOMES BY 12/31/25 WITH FCB HOMES AND CLOSE ON OR BEFORE 1/31/26 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