Lot Program

Build your Dream Home

Lot ProgramPurchase a featured residential lot and enjoy:

  • Low to no down payment for lot purchase and construction
  • No interest (o.oo% APR) for 12 months
  • No origination fee on construction and permanent loan
  • No closing costs on construction and permanent loan
  • $600 towards a 2 year home warranty plan
  • Free flat screen TV (or $750 towards moving costs)
  • If you have a home to sell, your house can qualify for our permanent financing rates listed below and your Buyer could be eligible for our amazingly low rates (upon qualification). This may differentiate your home from the rest of those on the market and make it EASIER to SELL. If the Buyer of your house finances it through our mortgage company, we will even pay their closing costs.

Construction and/or Permanent Financing

Conventional Rates
Jumbo Rates
3.19% APR Fixed for 7 years*

or
3.89% APR Fixed for 30 years**
*0.00% interest for 12 months during the construction period. No payments for first 12 months, followed by 3.19% annual percentage rate/7 years fixed/30 year amortization with a 7 year balloon. 83 monthly payments of $4.32 per $1,000 borrowed and 1 final payment of all unpaid principal and accrued unpaid interest. No origination fee. No PMI. Loan subject to credit approval. Rates and conditions subject to change or end without notice. Financing up to 100% of total cost.
**0.00% interest for 12 months during the construction period. No payments for first 12 months, followed by 3.89% annual percentage rate fixed for 30 years. 360 monthly payments $4.72 per $1,000 borrowed. No origination fee. No PMI. Loan subject to credit approval. Rates and conditions subject to change or end without notice. Financing up to 100% of total cost.
3.49% APR Fixed for 7 years +

or
4.49% APR Fixed for 30 years ++
+ 0.00% interest for 12 months during the construction period. No payments for first 12 months, followed by 3.49% annual percentage rate/7 years fixed/30 year amortization with a 7 year balloon. 83 monthly payments of $4.49 per $1,000 borrowed and 1 final payment of all unpaid principal and accrued unpaid interest. No origination fee. No PMI. Loan subject to credit approval. Rates and conditions subject to change or end without notice. Financing up to 100% of total cost.
++0.00% interest for 12 months during the construction period. No payments for first 12 months, followed by 4.49% annual percentage rate fixed for 30 years. 360 monthly payments $5.01 per $1,000 borrowed. No origination fee. No PMI. Loan subject to credit approval. Rates and conditions subject to change or end without notice. Financing up to 100% of total cost.