Built for Real Life. Backed by a Rate You Trust. 

With a 3-2-1 buydown, you’ll ease into homeownership with lower monthly payments now and the peace of mind of a steady, locked-in rate down the road.

No surprises. No stress. Just a smart path to the place you’ll call home. This limited-time offer won’t last—secure your savings before July 29th!

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30-YEAR FIXED RATE
FHA3-2-1 BUYDOWN

2.875% Year 1

Year 2 3.875%
Year 3 4.875%
Year 4-30 5.875% (6.666% APR)
Required Money Down 3.5%
Contract By 07/29/2025
Close By 08/27/2025

 

30-YEAR FIXED RATE
CONV 3-2-1 BUYDOWN

3.49% Year 1

Year 2 4.49%
Year 3 5.49%
Year 4-30 6.49% (6.716% APR)
Required Money Down 10%
Contract By 07/29/2025
Close By 08/27/2025

Lock In Stability, Live with Confidence.

Life isn’t always predictable—but your home and your mortgage can be. With our limited-time 3-2-1 buydown, you’ll enjoy lower payments when it counts most—and the peace of mind that comes with a rate you can rely on.

✅ Year 1 starts at just 2.875%
✅ Payments rise gradually, never suddenly
✅ Locked rate of 5.875% from Year 4 on

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.

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*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 noon on 07/29/2025. Home must close by 08/27/2025 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.