* Example based on a purchase price of $451,286, 3.5% down payment, and a 700-credit score, with a 2-1 FHA temporary rate buydown. Year 1: 3.625%, total estimated monthly payment of $2,703. Year 2: 4.625%, total estimated monthly payment of $2,960. Year 3-30: 5.625%, total estimated monthly payment of $3.231, which includes mortgage insurance, HOA, taxes, insurance, and other applicable housing costs. Not all applicants will qualify. Loan approval is subject to credit, income, and underwriting guidelines. Rates and terms are subject to change without notice. This is not a commitment to lend. Equal Housing Lender. Prices, features, terms, incentives, availability, and broker/agent referral programs are subject to change without notice. Completion dates are estimated only; all square footage is approximate. We support an affirmative advertising and marketing program in which there are no barriers to housing based on race, color, national origin, religion, gender, sexual orientation, familial status, or disability. Tammy Miller | CA DRE 02092900 | Silvermark Construction Services.