LOCK IN 4.875%: Your Dream Home Starts Now, Risk-Free.
Build Smart. Save Big.
Value Build Homes is making it easier than ever to start your dream home. Through December 30th, 2025 or while our limited funds last. take advantage of our Fall Savings Event featuring special financing through the FHA Single Close Construction-to-Permanent Loan Program, a convenient way to finance both the construction and permanent phases of your new home with just one closing.
Here’s how it works:
The scenario below is based upon an FHA purchase loan with a $309,320 loan amount and 5% down payment
Construction Phase (12 Months)
Fixed interest rate of 7.990% (APR 10.279%)
Interest-only payments during construction
Initial payment of $1,029.78, based on an initial disbursement of $154,660 (half of the total $309,320 loan amount, including the FHA Upfront Mortgage Insurance Premium)
Payments increase as construction funds are drawn, up to a maximum of $2,059.56
Permanent Phase (30 Years)
Converts to a fixed rate of 4.875% (APR 5.736%) after construction
360 monthly principal and interest payments of $1,636.95
(Does not include property taxes or insurance. Actual monthly payment will be higher.)
Annual Percentage Rate (APR)
Combined APR for both phases: 6.030%, which includes 1.5 discount points
Program Details & Eligibility
Minimum FICO score of 660
Primary residence only
Available to borrowers who own their land free and clear
Rates and terms effective 10/9/2025, subject to change without notice
This offer is available for a limited time only and cannot be combined with other promotions. Not all applicants will qualify. Actual rates and terms may vary based on credit history, property details, and other factors. This is an advertisement. CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender, NMLS #46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807 . For more licensing information, visit onetrusthomeloans.com/
Start building your dream home today!
