More Ways to Make Your Move This Fall

Finding the right home is exciting—but we know the financial side of making a move matters, too. This fall, Landmark Fine Homes is offering two limited-time financing incentives designed to give qualifying buyers a little more flexibility as they settle into their new home.

Whether a little extra breathing room after moving sounds most helpful or you’d rather start with a lower mortgage payment, you can choose the option that works best for you.*

Six Months to Settle In

Moving into a new home comes with more than a new address. There’s furniture to arrange, rooms to make your own, moving expenses to manage—and life doesn’t stop while you’re unpacking.

Our Six Months to Settle In incentive is designed to give qualifying buyers some additional financial breathing room during those first months at home.

The benefit is structured through builder incentives and seller credits that help offset the estimated cost of the first six mortgage payments.* You’ll still make your required mortgage payments when they’re due, but the incentive can help create more room in your budget as you get settled.

Because sometimes, a little extra flexibility at the beginning can make it easier to focus on what really matters: making your new house feel like home.

Or, Start at 3.875%*

Maybe you'd rather put the savings toward your monthly mortgage payment from the start. Our second option is a 2-1 temporary rate buydown, beginning with a payment calculated at 3.875% in year one.*

With the example provided:

Year One: Payments calculated at 3.875%
Year Two: Payments calculated at 4.875%
Year Three & Beyond: Payments based on the full 5.875% note rate*

Landmark Fine Homes funds the temporary buydown through an eligible seller/builder concession. Buyers must qualify at the full note rate, and actual rates, payments and terms will depend on financing and borrower-specific qualifications.*

It’s a way to ease into your mortgage payment while you're also easing into life in your new home.

Two Options. One Goal.

Every homebuyer is different, and what makes the biggest difference in your budget may be different, too.

Maybe six months of additional breathing room would help as you furnish your home and get settled. Or maybe starting with a lower mortgage payment makes more sense for you.

That’s why we’re giving qualifying buyers a choice.

Six months to settle in. Or start at 3.875%.*
You choose what works for you.

Our team can help you explore eligible Landmark homes, and our lending partner can walk you through the financing details to determine which option may be the right fit for your situation.

Because finding the right home isn't just about where you live. It's about finding a way to get there that works for you, too.

Important Financing Disclosures

Six Months to Settle In:
Example only. Based on a $530,000 purchase price with 3.5% down and FHA financing. Example assumes a 30-year fixed-rate mortgage with a 6.430% interest rate (approximately 6.620% APR) and an estimated monthly PITI of $4,299.42. The buyer remains responsible for making all required mortgage payments when due. The advertised six-month payment benefit is structured through builder incentives: an estimated $2,850.04 seller credit toward allowable closing costs/prepaids, representing the estimated principal portion of the first six payments, plus the remaining estimated interest, property taxes, homeowners insurance and applicable mortgage insurance benefit. HOA dues are excluded. Seller credits and builder incentives are subject to loan-program limits, lender approval, closing-cost availability and applicable requirements; unused credits may not be refundable to the buyer. Actual principal allocation, interest, taxes, insurance, mortgage insurance, APR, payments and benefit amounts may vary. Payments shown are estimates only and are not a Loan Estimate or commitment to lend. All loans are subject to credit approval and underwriting guidelines. Rates, terms and builder incentives are subject to change without notice. Colten Mortgage, a Division of All Western Mortgage, Inc. Corporate NMLS #14210. Equal Housing Lender.

3.875% / 2-1 Temporary Buydown:
Example only. Based on a $530,000 purchase price and a 30-year fixed-rate mortgage with a 5.875% final note rate. Conventional example: 20% down ($106,000), $424,000 loan amount, 5.875% interest rate and illustrative 5.960% APR. FHA example: 3.5% down ($18,550), $511,450 base loan amount before financed upfront mortgage insurance premium, 5.875% interest rate and illustrative 6.540% APR. FHA APR reflects the effect of applicable mortgage insurance assumptions. VA example: 0% down, $530,000 base loan amount before any financed VA funding fee, 5.875% interest rate and illustrative 6.030% APR. VA funding fee may apply unless the borrower is exempt and can affect the final loan amount and APR. The 2-1 temporary buydown is paid by Landmark Fine Homes through an eligible seller/builder concession. The buydown temporarily reduces the payment calculation to 3.875% in year one and 4.875% in year two. Beginning in year three, payments are based on the full 5.875% note rate for the remaining loan term. Borrowers must qualify at the full note rate. APR does not change to the temporary buydown rate and reflects the cost of credit based on applicable finance-charge assumptions. Actual APR will vary based on loan amount, points, mortgage insurance, VA funding fee, closing costs, prepaid finance charges and borrower-specific terms. Seller concessions and buydown eligibility are subject to applicable agency, investor and underwriting limits. Rates, APRs, payments, terms, program availability and builder incentives are subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines. Colten Mortgage, a Division of All Western Mortgage, Inc. Corporate NMLS #14210. Equal Housing Lender.

I intentionally kept the “six months” language from implying buyers literally skip their mortgage payments, since the disclosure says the buyer remains responsible for making each payment when due. The marketing message still feels strong, but the body explains how the benefit actually works before the legal disclosure.