VA - 5.375% Permanent Rate (6.065 APR)

CONVENTIONAL $689,950 -1st & 2nd Year Rate 4.99% - 5.99% Permanent Rate (5.62 APR) - 20% Down

4.99 IS A PROMOTIONAL RATE FOR THE FIRST AND 2ND YEAR ONLY.  PERMANENT RATE FOR YEARS 3-30 IS 5.99% AND IS BASED ON A 780 CREDIT SCORE AND 20.00% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $551,960, 30-YEAR FIXED-RATE LOAN AT 5.99% AND 80.0% LOAN-TO-VALUE (LTV) IS $3305 WITH AN ESTIMATED buyer paid DISCOUNT POINT OF UP TO 1%. THE ANNUAL PERCENTAGE RATE (APR) IS 6.319%. THE PRINCIPAL AND INTEREST PAYMENTS WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL. QUOTE INCLUDES MORTGAGE INSURANCE OF $0, TAXES OF $684 AND HOME INSURANCE PREMIUMS $105, WHICH WILL RESULT IN A TOTAL MONTHLY PAYMENT OF $4094.  TOTAL MONTHLY PAYMENT FOR YEAR 1 IS $3748.  RATES ARE CURRENT AS OF 3/13/25 AND ARE SUBJECT TO CHANGE. Loan promotions are for qualified home buyers who sign purchase agreements on select homes with FCB Homes and close on or before April 30th, when financing is provided by Coast Home Loans (see licensing information 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 obtain a permanent interest rate buydown. The actual amount of closing cost assistance cannot exceed the buyer’s actual closing costs. This interest rate is available to owner occupants only and is subject to availability, the specified loan-to-value ratio, a maximum conventional loan amount, qualification using full documentation and a minimum FICO score of 780. Other loan-to-value ratios, FICO scores, second homes and investment properties may be eligible but may be subject to rate and price adjustments.

 *LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE LICENSE #02050654, NMLS #1689518, BLAKE EAGAL, NMLS 250496.

FHA 5.375% (6.469 APR) - 3.5% Down

PERMANENT RATE FOR YEARS 1-30 IS 5.375% AND IS BASED ON A 680 CREDIT SCORE AND 3.5% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $677,453, 30-YEAR FIXED-RATE LOAN AT 5.375% AND 96.5% LOAN-TO-VALUE (LTV) IS $3793 WITH AN ESTIMATED buyer paid DISCOUNT POINT OF UP TO 1%. THE ANNUAL PERCENTAGE RATE (APR) IS 6.469%. THE PRINCIPAL AND INTEREST PAYMENTS WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL. QUOTE INCLUDES MORTGAGE INSURANCE OF $310, TAXES OF $684 AND HOME INSURANCE PREMIUMS $105, WHICH WILL RESULT IN A TOTAL MONTHLY PAYMENT OF $4892.  RATES ARE CURRENT AS OF 3/14/25 AND ARE SUBJECT TO CHANGE. Loan promotions are for qualified home buyers who sign purchase agreements on select homes with FCB Homes and close on or before January 30, 2024, when financing is provided by Coast Home Loans (see licensing information 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 obtain a permanent interest rate buydown. The actual amount of closing cost assistance cannot exceed the buyer’s actual closing costs. This interest rate is available to owner occupants only and is subject to availability, the specified loan-to-value ratio, a maximum FHA loan amount, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios, FICO scores, second homes and investment properties may be eligible but may be subject to rate and price adjustments.

 *LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE LICENSE #02050654, NMLS #1689518, BLAKE EAGAL, NMLS 250496.

VA 5.375% (6.065 APR) - 0% Down

PERMANENT RATE FOR YEARS 1-30 IS 5.375% AND IS BASED ON A 680 CREDIT SCORE AND 0% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $689,950 30-YEAR FIXED-RATE LOAN AT 5.375% AND 100% LOAN-TO-VALUE (LTV) IS $3863 WITH AN ESTIMATED buyer paid DISCOUNT POINT OF UP TO 1%. THE ANNUAL PERCENTAGE RATE (APR) IS 6.065%. THE PRINCIPAL AND INTEREST PAYMENTS WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL. QUOTE INCLUDES MORTGAGE INSURANCE OF $0, TAXES OF $684 AND HOME INSURANCE PREMIUMS $105, WHICH WILL RESULT IN A TOTAL MONTHLY PAYMENT OF $4652.  RATES ARE CURRENT AS OF 3/14/25 AND ARE SUBJECT TO CHANGE. Loan promotions are for qualified home buyers who sign purchase agreements on select homes with FCB Homes and close on or before January 30, 2024, when financing is provided by Coast Home Loans (see licensing information 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 obtain a permanent interest rate buydown. The actual amount of closing cost assistance cannot exceed the buyer’s actual closing costs. This interest rate is available to owner occupants only and is subject to availability, the specified loan-to-value ratio, a maximum FHA loan amount, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios, FICO scores, second homes and investment properties may be eligible but may be subject to rate and price adjustments.

 *LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE LICENSE #02050654, NMLS #1689518, BLAKE EAGAL, NMLS 250496.