Option A - Rate Lock
Fixed-Rate Financing
Fixed for the life of your loan
Locked at contract - no surprises at closing
Available through preferred September lenders
Pair with any Value Build Homes floor plan
Best for buyers prioritizing a predictable payment.
Option B - Buy More, Save More
Structural & Design Options
The more you invest in options, the more you save - savings scale in $5000 steps for every $20,00 in options selected. Applies to structural upgrades, finishes, and design center selections.
See Which Option You Qualify For
Our financing team can walk you through both options and help determine which structure works best for your situation.
Limited-time offer. Rates effective 9/1/2026 and subject to change without notice.
Legal & Disclosure Information
*FHA Single Close, Construction-to-Permanent Loan Program: This program offers a single loan closing for financing both the construction and permanent phases of your new home.
Loan Terms & Repayment: This is an FHA loan program. The loan features a 12-month construction phase followed by a 30-year (360-month) permanent financing phase.
Construction Phase (12 Months): Features a fixed interest rate of 7.990% (APR of 10. 10.930%) and requires monthly interest-only payments during this period. The initial payment is $804.51, based on an assumed initial disbursement of $120,828 (one-half of the total loan amount of $241,656, including the FHA Upfront Mortgage Insurance Premium).
Important: The amount of the monthly interest-only payment will increase as additional construction funds are disbursed, up to the full loan amount. The maximum monthly interest-only payment, based on the full $241,656 loan amount, would be approximately $1,609.03. Permanent Phase (30 Years / 360 Months): Upon completion of construction, the loan converts to permanent financing with a fixed interest rate of 3.990 % (APR 4.897%) and requires 360 monthly principal and interest payments of $1,152.31. The stated monthly payment does not include amounts for property taxes and insurance. Your actual total monthly housing payment will be higher.
Annual Percentage Rate (APR): The combined Annual Percentage Rate (APR) for this loan, reflecting both the construction and permanent phases, is 5.266%, and reflects 2 discount points.
Assumptions & Fees: The rates and payments quoted are based on the following assumptions: an FHA purchase loan with a $241,656 loan amount, 5% down payment, a minimum FICO score of 640 on a primary residence, and a 60-day rate lock. This promotion only applies to borrowers who own their land free and clear without any mortgage.
*VA Single Close, Construction-to-Permanent Loan Program: This program offers a single loan closing for financing both the construction and permanent phases of your new home.
Loan Terms & Repayment: This is a VA loan program. The loan features a 12-month construction phase followed by a 30-year (360-month) permanent financing phase.
Construction Phase (12 Months): Features a fixed interest rate of7.990% (APR of 9.975%) and requires monthly interest-only payments during this period. The initial payment is $1,190.26, based on an assumed initial disbursement of $178,763 (one-half of the total loan amount of $357,525, including the VA Funding Fee). Important: The amount of the monthly interest-only payment will increase as additional construction funds are disbursed, up to the full loan amount. The maximum monthly interest-only payment, based on the full $357,525 loan amount, would be approximately $2,380.52. Permanent Phase (30 Years / 360 Months): Upon completion of construction, the loan converts to permanent financing with a fixed interest rate of 3.990% (APR 4.406%) and requires 360 monthly principal and interest payments of $1,735.43. The stated monthly payment does not include amounts for property taxes and insurance. Your actual total monthly housing payment will be higher.
Annual Percentage Rate (APR): Annual Percentage Rate (APR): The combined Annual Percentage Rate (APR) for this loan, reflecting both the construction and permanent phases, is 4.680%, and reflects 2 discount points. Assumptions & Fees: The rates and payments quoted are based on the following assumptions: a VA purchase loan with a $357,525 loan amount, 0% down payment, a minimum FICO score of 640 on a primary residence, and a 60-day rate lock. This promotion only applies to borrowers who own their land free and clear without any mortgage.
*Conventional Single Close, Construction-to-Permanent Loan Program: This program offers a single loan closing for financing both the construction and permanent phases of your new home.
Loan Terms & Repayment: This is a Conventional loan program. The loan features a 12-month construction phase followed by a 30-year (360-month) permanent financing phase.
Construction Phase (12 Months): Features a fixed interest rate of 7.990% (APR of 10.163%) and requires monthly interest-only payments during this period. The initial payment is $1,065.33, based on an assumed initial disbursement of $160,000 (one-half of the total loan amount of $320,000).
Important: The amount of the monthly interest- only payment will increase as additional construction funds are disbursed, up to the full loan amount.
The maximum monthly interest-only payment, based on the full $320,000 loan amount, would be approximately $2,130.67. Permanent Phase (30 Years / 360 Months): Upon completion of construction, the loan converts to permanent financing with a fixed interest rate of 4.990% (APR 5.231%) and requires 360 monthly principal and interest payments of $1,715.87. The stated monthly payment does not include amounts for property taxes and insurance. Your actual total monthly housing payment will be higher.
Annual Percentage Rate (APR): The combined Annual Percentage Rate (APR) for this loan, reflecting both the construction and permanent phases, is 5.477%, and reflects 2 discount points.
Assumptions & Fees: The rates and payments quoted are based on the following assumptions: a Conventional purchase loan with a $320,000 loan amount, 20% down payment, a minimum FICO score of 700 on a primary residence, and a 60-day rate lock. This promotion only applies to borrowers who own their land free and clear without any mortgage.
The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Not all applicants will qualify. Rates and terms are effective 3/3/2026 and are subject to change without notice. This offer is available for a limited time only and cannot be combined with other promotions. All options are not available on all programs. 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: https://onetrusthomeloans.com/licensing-information/. | (nmlsconsumeraccess.org).