Choose a home—and a rate—that puts you first.
At Holt Homes, we believe owning a new home should be within reach for more people. That’s why we’re offering multiple choices to make homeownership possible. Whether that is a loan with a 3-2-1 temporary rate buydown or a permanent below-market rate, both are smart ways to make your dream of home affordable. Whether you choose a townhome or a spacious single-family home, or opt for a 30-year fixed or buydown loan, we’ll help you find the financing—and the home—that fits your life.
This limited-time offer won’t last—secure your savings before August 29th!
4.99%
| APR | 5.181% |
| Required Money Down | FHA 3.5% CONV 10% |
| Contract By | 08/29/2025 |
| Close By | 09/26/2025 |
2.99%* Yr 1
| Year 2 | 3.99% |
| Year 3 | 4.99% |
| Year 4-30 | 5.99% (6.783% APR) |
| Required Money Down | 3.5% |
| Contract By | 08/29/2025 |
| Close By | 09/26/2025 |
3.49%* Yr 1
| Year 2 | 4.49% |
| Year 3 | 5.49% |
| Year 4-30 | 6.49% (6.605% APR) |
| Required Money Down | 10% |
| Contract By | 08/29/2025 |
| Close By | 09/26/2025 |
3.99%
| APR | 4.427% |
| Required Money Down | 5% |
| Contract By | 08/29/2025 |
| Close By | 09/26/2025 |
Built with Care. Financed with Confidence.
At Holt Homes, we build more than houses—we build trust. That includes how we help you finance your future. With our 3-2-1 buydown, you’ll enjoy lower payments for the first three years, plus access to trusted lenders who work with buyers starting at a 660 credit score. From thoughtfully built townhomes to spacious single-family homes, and from fixed-rate to flexible financing, we make it easy to choose the right home—and the right loan—for your life.
✅ Lower payments for the first three years
✅ High-quality, energy-efficient construction
✅ Options for townhomes and single-family homes
✅ Financing support for buyers with 680+ credit
✅ A builder that includes you in every step
It’s a thoughtful way to buy, built around real life and real budgets. Schedule a tour today and take the first step toward a home—and a rate—you’ll feel good about.
Locked-In Stability with a 4.99% Fixed Rate
Prefer predictable payments from day one? Our 30-year fixed-rate option at just 4.99% gives you long-term peace of mind—available for both Conventional and FHA loans. No surprises. No step-ups. Just one consistent monthly payment you can count on.
For a $450,000 Conventional loan, here’s what your savings look like1:
| Monthly at Holt's Promo Rate | Monthly at Market Rate | |
| Rate | 4.99% | 7.00% |
| Monthly Payment | $2,413 | $2,994 |
| Savings Per Month | $581 |
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Join hundreds of happy homeowners who found their perfect home with Holt Homes!
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30 Year Fixed Conventional
New contracts only. Available for select homes at select Holt Homes Oregon and Washington communities (see sales professional for details). For Advertisement Purposes Only. Not all applicants will qualify. All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not beavailable in all states. Other restrictions and limitations may apply. This is not a commitment to lend. CLM Mortgage Inc. #215239, 480 Wildwood Forest Dr. 802 Spring, TX 77380, 888-984-888; AZ MortgageBanker License #1047891; CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, RMLA #41DBO-183025; ID Mortgage Broker/LenderLicense #MBL-2080215239; NV Mortgage Company License #5786; OR Mortgage Lending License #215239; TX Licensed under Company NMLS #215239 (www.nmlsconsumeraccess.org). Applications mustbe received by CLM Mortgage, Inc. and the rate locked by 4 pm PST on 08/29/2025. Home must close by 09/26/2025 to qualify for promotion. Financing offered by CLM Mortgage, Inc, NMLS #215239. Theabove information for Conventional Mortgage is based on a Conventional Loan with a 10% down payment, loan amount of $450,000 minimum credit score of 740.
FHA 3-2-1 Buydown
New contracts only. Available for select homes at select Holt Homes Oregon and Washington communities (see sales professional for details). For Advertisement Purposes Only. Not all applicants will qualify. All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. CLM Mortgage Inc. #215239, 480 Wildwood Forest Dr. 802 Spring, TX 77380, 888-984-888; AZ Mortgage Banker License #1047891; CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, RMLA #41DBO-183025; ID Mortgage Broker/Lender License #MBL-2080215239; NV Mortgage Company License #5786; OR Mortgage Lending License #215239; TX Licensed under Company NMLS #215239 (www.nmlsconsumeraccess.org). Applications must be received by CLM Mortgage, Inc. and the rate locked by 4 pm PST on 08/29/2025. Home must close by 09/26/2025 to qualify for promotion. Financing offered by CLM Mortgage, Inc, NMLS #215239. The above information for FHA Mortgage is based on an FHA Loan with 3.5% down payment, loan amount $490,943 minimum credit score of 680. Rate is also available for VA loan program.
7/6 ARM
New contracts only. Available for select homes at select Holt Homes Oregon and Washington communities (see sales professional for details). For Advertisement Purposes Only. Not all applicants will qualify. All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. CLM Mortgage Inc. #215239, 480 Wildwood Forest Dr. 802 Spring, TX 77380, 888-984-888; AZ Mortgage Banker License #1047891; CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, RMLA #41DBO-183025; ID Mortgage Broker/Lender License #MBL-2080215239; NV Mortgage Company License #5786; OR Mortgage Lending License #215239; TX Licensed under Company NMLS #215239 (www.nmlsconsumeraccess.org). Financing offered by CLM Mortgage, Inc, NMLS #215239. 5% down payment required, and a minimum credit score of 740. Based on a Conventional 30-year adjustable-rate mortgage (ARM) with a sales price of $500,000, a loan amount of $475,000 and a monthly payment of $2,900. Total monthly payment includes principal, interest, estimated taxes, mortgage insurance, and homeowners' insurance. An adjustable-rate mortgage (ARM) is a mortgage where the interest rate changes periodically, which could cause the monthly payment to be higher or lower. This interest rate will be fixed for the first 7 years and will adjust every 6 months thereafter, at which time payments and annual percentage rate may increase. The first adjustment will have 5.000% cap. Adjustments every 6 months thereafter will have a cap of 1.000% and a lifetime cap of 5.000% with a margin of 2.750%. Max interest rate can be 8.99%. Must contract on or after 8/7/2025, lock by 4pm PST on 8/30/25, and close by 9/26/2025.