First Time Home Buyer Posts, Page 15

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November 11, 2020

5 key elements you can’t overlook when buying a home

When it comes to buying a new home, there are many things to consider. But when you get right down to it, there are 5 key elements that can’t be …

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*All Fieldstone Homes Incentives are a Preferred Lender Incentive. You must use First Colony Mortgage to qualify for promotions and incentives. Additional terms, conditions and restrictions apply and are subject to change without prior notice. Buyer/borrower is subject to qualifications for specific loan terms, occupancy, property type, down payment, credit, and underwriting requirements, and/or investor program guidelines. Speak with a Fieldstone Sales representative for complete details, requirements, conditions, and restrictions. Cannot be used in conjunction with any other offer. Promotion shall not be construed as an offer, and any agreement must be made in writing signed by Fieldstone, Fieldstone Homes' Preferred Lender, and/or buyer/borrower. Promotion requires use of Fieldstone Homes' Preferred Lender, but use of Fieldstone Homes' Preferred Lender is not a requirement to purchase the home. *The offer presented in the advertisement features an FHA 30-year fixed loan with a 30-year fully amortizing term with a 3-2-1 temporary subsidy seller paid buy down. A portion of each monthly payment for the first 36 months will be prepaid by the seller and held by the lender to supplement the buyer’s required monthly payment. The buyer required monthly payment is calculated using an interest rate 3% below the note rate for the first 12 months, 2% below note rate the next 12 months, and 1% below the note rate the subsequent 12 months. Savings are calculated as the difference between the Note Rate Principal & Interest Payment and the Reduced Principal & Interest Payment for the first 36 months. Based on an example loan amount of $487,500 the initial monthly principal and interest payment will be $1,838 for the first 12 months, $2,085 the next 12 months, and $2,348 the subsequent 12 months. After the initial 36-month period, the payment will be calculated using the full note rate of 5.75% resulting in a monthly principal and interest payment of $2,627 for the remaining 27-year term. The example is based on a 95% loan-to-value (LTV). The Annual Percentage Rate (APR) is 6.347%. There is no prepayment penalty. 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 Lender. Payments shown do not include taxes and insurance, actual payment obligations will be greater. Conditions and restrictions apply. Not all applicants will qualify. Rates and terms effective 9/01/2025 and are subject to change. This is not a commitment to lend. Please contact First Colony for more information. This promo ends 9/30/2025. Must use preferred lender for any offers or incentives. Free finished basement is limited to specific lots and communities on dirt lot sales only for a limited time.

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