FHA
4.500%
(5.233% APR)
**
| Loan term | 30-year fixed rate |
| Required money down | 3.5% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
Conventional
4.999%
(5.127% APR)
*
| Loan term | 30-year fixed rate |
| Required money down | 10% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
VA
4.500%
(4.814% APR)
***
| Loan term | 30-year fixed rate |
| Required money down | 0% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
USDA
5.750%
(6.236% APR)
†
| Loan term | 30-year fixed rate |
| Required money down | 0% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
FHA high-balance
5.750%
(6.480% APR)
^
| Loan term | 30-year fixed rate |
| Required money down | 3.5% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
Conventional high-balance
6.500%
(6.690% APR)
^^
| Loan term | 30-year fixed rate |
| Required money down | 10% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
VA high-balance
5.750%
(6.051% APR)
^^^
| Loan term | 30-year fixed rate |
| Required money down | 10% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
FHA
4.999%
(5.737% APR)
†††
| Loan term | 30-year fixed rate |
| Required money down | 3.5% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
Conventional
5.500%
(5.635% APR)
††
| Loan term | 30-year fixed rate |
| Required money down | 10% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
VA
4.999%
(5.322% APR)
‡
| Loan term | 30-year fixed rate |
| Required money down | 0% |
| Contract by | 12/01/2024 |
| Close by | 12/31/2024 |
Apply closing cost assistance toward a permanent interest rate buydown to get the rates above. Other offers are available; contact a loan officer for assistance: 833.371.0976. Offers valid with financing provided by:
See licensing information below.
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**Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate FHA loan with an interest rate of 4.500% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $2,761.17. APR = 5.233%. 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 680. 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 HomeAmerican Mortgage Corporation.
***Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate VA loan with an interest rate of 4.500% and no down payment. The total loan amount, including the VA Funding Fee, is $573,315. Monthly principal and interest payment = $2,904.90. APR = 4.814%. Taxes and hazard insurance premiums are not calculated in the above payment and actual payment will be higher. Financing is available to owner occupants only who are qualified to participate in mortgage loan programs offered by the Department of Veterans Affairs and is subject to legal requirements and availability, a maximum loan amount of $766,550, a debt-to-income ratio of 41% or less, a maximum 100% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
^Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $1,000,000 and a 30-year, fixed-rate FHA high-balance loan with an interest rate of 5.750% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $981,887. Monthly principal and interest payment = $5,730.03. APR = 6.480%. 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, a maximum loan amount of $766,551 to county limit, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
^^Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $1,000,000 and a 30-year, fixed-rate conventional high-balance loan with an interest rate of 6.500% and a 10.00% down payment. The loan amount is $900,000. Monthly principal and interest payment = $5,688.61. APR = 6.690%. 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 90% loan-to-value ratio, a maximum loan amount of >$766,551 to county limit, 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. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
^^^Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $1,000,000 and a 30-year, fixed-rate VA high-balance loan with an interest rate of 5.750% and no down payment. The total loan amount, including the VA Funding Fee, is $1,033,000. Monthly principal and interest payment = $6,028.31. APR = 6.051%. Taxes and hazard insurance premiums are not calculated in the above payment and actual payment will be higher. Financing is available to owner occupants only who are qualified to participate in mortgage loan programs offered by the Department of Veterans Affairs and is subject to legal requirements and availability, a maximum loan amount of >$766,551 to $1.5M, a debt-to-income ratio of 41% or less, a maximum 100% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
†Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024,and December 01, 2024, and close on or before December 31, 2024, when financing is provided byHomeAmerican Mortgage Corporation(see licensing information below). Interest rate is not guaranteed and is subject to change without notice.Funds are limited and are available on a first-come, first-served basis. Actual amount of closing costassistance cannot exceed buyer’s actual closing costs. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain an interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate USDA loan with an interest rate of 5.750% and no down payment. Total loan amount, including the guarantee fee, is $560,606. Monthly principal and interest payment = $3,345.71. APR = 6.236%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. USDA home loans are guaranteed by the United States Department of Agriculture and upfront and monthly guarantee fees apply. This interest rate is available to owner occupants only and is subject to availability, income limitations, a debt-to-income ratio of 41% or less, a maximum 100% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. 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. Property must also meet USDA requirements. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
††Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate conventional loan with an interest rate of 5.500% and a 10.00% down payment. The loan amount is $499,500. Monthly principal and interest payment = $2,836.11. APR = 5.635%. 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 90% loan-to-value ratio, a maximum loan amount of $766,550, 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. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
†††Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate FHA loan with an interest rate of 4.999% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $2,925.06. APR = 5.737%. 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 680. 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 HomeAmerican Mortgage Corporation.
‡Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between November 18, 2024, and December 01, 2024, and close on or before December 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate VA loan with an interest rate of 4.999% and no down payment. The total loan amount, including the VA Funding Fee, is $573,315. Monthly principal and interest payment = $3,077.33. APR = 5.322%. Taxes and hazard insurance premiums are not calculated in the above payment and actual payment will be higher. Financing is available to owner occupants only who are qualified to participate in mortgage loan programs offered by the Department of Veterans Affairs and is subject to legal requirements and availability, a maximum loan amount of $766,550, a debt-to-income ratio of 41% or less, a maximum 100% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.
HomeAmerican Mortgage Corporation's principal offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237 (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
The Richmond American Homes companies (RAH) and HomeAmerican Mortgage Corporation (HMC) are owned, directly or indirectly, by M.D.C. Holdings, Inc. and, therefore, are affiliated companies. RAH and HMC offer services independently of each other, and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, the other company. Your decision to use a company that is not affiliated with RAH or HMC will not affect your ability to obtain products and services from these companies.
Closing dates are subject to change and cannot be guaranteed. Homebuyers may be limited in the structural changes, options and upgrades which can be made to homes.
©2024 Richmond American Homes, Richmond American Homes of Maryland, Inc., California Department of Real Estate – Real Estate Broker, Corporation License Number 01842595