FHA 3.75% Rate Fixed for Years 1-5 (6.951%) APR
Adjustable Rate Mortgage for Years 6-30

This FHA 5/1 adjustable-rate mortgage (ARM) stays fixed at 3.75% (6.951% APR) for the first five years of the loan and is a 30-year fully amortizing term. Beginning in year six, the interest the interest rate may adjust every year based on the 30-day Secured Overnight Financing Rate (“SOFR”) index plus a margin of 1.75%. The maximum change in the interest rate is up to 1% at the first adjustment, up to 1% every year thereafter with a maximum lifetime adjustment of 5% (max life interest rate of 8.75%). This is based on a sales price of $450,000 with 3.5% down and 680+ credit with owner occupied homes. The FHA 5/1 ARM is available on select lots and homes in our Boulevard and Poppy neighborhoods. Availability of this special rate is limited and subject to change at any time without notice. The special rate is based on a seller contribution toward discount points and is available exclusively through our affiliated lender, subject to applicable limits. Buyers must qualify according to FHA guidelines. The combined value of seller incentives, credits, and other contributions may exceed lender limits set for the loan program for which the buyer qualifies. Homebuyers should consult their lender to understand the impact of these limits. All stated square footages are approximate and may vary. Pictured homes are models and may include features, furnishings, and landscaping that are not included in the purchase price. Home availability, prices, financing, incentives, and included features are effective as of the date of posting and are subject to prior sale, change, or cancellation without notice. The McCaffrey Group, Inc., doing business as McCaffrey Homes, offers homes through McCaffrey Home Realty, Inc., a California-licensed real estate broker (01222049).

Conventional 4.50% Rate Fixed for Years 1-7 (7.022%) APR
Adjustable Rate Mortgage for Years 8-30

This Conventional 7/6 adjustable-rate mortgage (ARM) stays fixed at 4.5% (7.022% APR) for the first seven years of the loan and is a 30-year fully amortizing term. Beginning in year eight, the interest rate may adjust every six months based on the 30-day Secured Overnight Financing Rate (“SOFR”) index plus a margin of 2.75%. The maximum change in the interest rate is up to 5% at the first adjustment, up to 1% every six months thereafter with a maximum lifetime adjustment of 5% (max life interest rate of 9.5%). This is based on a sales price of $450,000 with 20% down and 740+ credit with owner occupied homes. The CONV 7/6 ARM is available on select lots and homes in our Savanna and Ivy neighborhoods. Availability of this special rate is limited and subject to change at any time without notice. The special rate is based on a seller contribution toward discount points and is available exclusively through our affiliated lender, subject to applicable limits. Buyers must qualify according to Conventional guidelines. The combined value of seller incentives, credits, and other contributions may exceed lender limits set for the loan program for which the buyer qualifies. Homebuyers should consult their lender to understand the impact of these limits. All stated square footages are approximate and may vary. Pictured homes are models and may include features, furnishings, and landscaping that are not included in the purchase price. Home availability, prices, financing, incentives, and included features are effective as of the date of posting and are subject to prior sale, change, or cancellation without notice. The McCaffrey Group, Inc., doing business as McCaffrey Homes, offers homes through McCaffrey Home Realty, Inc., a California-licensed real estate broker (01222049).

The Boulevard Collection with Up To $25,000 Incentives

The Boulevard offers up to a $25,000 seller incentive on select lots and plans. To qualify for seller incentives buyer must use builder’s preferred lender. The combined value of seller incentives, credits, and other contributions may exceed lender limits established for the loan program for which the buyer qualifies. Buyers are advised to consult with their lender to understand how these limits may impact their loan terms. Information regarding community association facilities and assessments is available in the sales office, and buyers are encouraged to inquire for specifics on amenities and fees. Homes, prices, financing options, incentives, and included features are accurate as of the date of publishing, and are subject to change, prior sale, or cancellation without notice. Real estate services are provided by The McCaffrey Group, Inc., dba McCaffrey Homes, and are offered by McCaffrey Home Realty, Inc., California Real Estate Broker License #01222049.

Poppy Collection with Up to $28,000 Incentives

Poppy offers up to a $28,000 seller incentive on select lots and plans. To qualify for seller incentives buyer must use builder’s preferred lender. The combined value of seller incentives, credits, and other contributions may exceed lender limits established for the loan program for which the buyer qualifies. Buyers are advised to consult with their lender to understand how these limits may impact their loan terms. Information regarding community association facilities and assessments is available in the sales office, and buyers are encouraged to inquire for specifics on amenities and fees. Homes, prices, financing options, incentives, and included features are accurate as of the date of publishing, and are subject to change, prior sale, or cancellation without notice. Real estate services are provided by The McCaffrey Group, Inc., dba McCaffrey Homes, and are offered by McCaffrey Home Realty, Inc., California Real Estate Broker License #01222049.

Savanna Collection with Up To $20,000 Incentives & Free Owned Solar System

Savanna offers up to a $20,000 seller incentive and free owned solar system on select lots and plans. To qualify for seller incentives and contributions towards solar, buyers must use builder’s preferred lender. The combined value of seller incentives, credits, and other contributions may exceed lender limits established for the loan program for which the buyer qualifies. Buyers are advised to consult with their lender to understand how these limits may impact their loan terms. Information regarding community association facilities and assessments is available in the sales office, and buyers are encouraged to inquire for specifics on amenities and fees. Homes, prices, financing options, incentives, and included features are accurate as of the date of publishing, and are subject to change, prior sale, or cancellation without notice. Real estate services are provided by The McCaffrey Group, Inc., dba McCaffrey Homes, and are offered by McCaffrey Home Realty, Inc., California Real Estate Broker License #01222049

Ivy Up To $30,000 Incentives & Free Owned Solar System

Ivy offers up to a $30,000 seller incentive and free owned solar system on select lots and plans. To qualify for seller incentives and contributions towards solar, buyers must use the preferred lender. The combined value of seller incentives, credits, and other contributions may exceed lender limits established for the loan program for which the buyer qualifies. Buyers are advised to consult with their lender to understand how these limits may impact their loan terms. Information regarding community association facilities and assessments is available in the sales office, and buyers are encouraged to inquire for specifics on amenities and fees. Homes, prices, financing options, incentives, and included features are accurate as of the date of publishing, and are subject to change, prior sale, or cancellation without notice. Real estate services are provided by The McCaffrey Group, Inc., dba McCaffrey Homes, and are offered by McCaffrey Home Realty, Inc., California Real Estate Broker License #01222049.

Home for Local Heroes

Offer is available for a limited time only to buyers who are employed as first responders, educators, health care professionals, and service men and women. Proof of eligibility for this program and whether a buyer is qualified is subject to additional terms, conditions and limitations established by McCaffrey Homes. Only one credit is available per home, even if more than one co-buyer is qualified in a listed category. To be eligible, buyer must use builder’s preferred lender. McCaffrey Homes. reserves the right to change or discontinue this program at any time without notice. 


Refer a Friend – Homeowner Referral Program

To be eligible for the reward, referring party must be a current McCaffrey Homeowner and the original purchaser of a new home built by McCaffrey Homes that has closed escrow. Referred McCaffrey Homes buyer must close escrow on a new McCaffrey home within one year of submitting referral form. Participants may refer up to four buyers annually who successfully close escrow. Referral reward will be sent via certified mail to referring party within 60 days of close of escrow of the referred party. Federal regulations require that the referring party provide their Social Security number prior to issuance of multiple referral rewards in a calendar year as it is considered taxable income. Only one referral reward will be paid per transaction. Referrals are not paid on transactions involving real estate brokers. McCaffrey Homes' referral fees vary per neighborhood and are subject to change or termination without notice or obligation.  


Repeat Homebuyer Program

Only one credit is available per home, even if more than one co-buyer qualifies. To be eligible, buyer must use builder’s preferred lender. McCaffrey Homes. reserves the right to change or discontinue this program at any time without notice. 

 

Broker Rewards Program

FOR REAL ESTATE PROFESSIONALS ONLY. No referral reward will be paid when agent/broker is acting as a principal/buyer. Not valid if client has previously registered with McCaffrey or online at McCaffrey Homes’ website. McCaffrey reserves the right to discontinue this program at any time. Other terms and conditions apply. See a Community Representative for more information. 

Upon the closing and funding of the transaction, realtor reward will be paid on the base selling price excluding lot premium and upgrades issued directly from the title company to the licensed brokerage company listed on the Realtor Registration. If you leave the employ of the brokerage company listed on the Realtor Registration prior to payment of a Realtor Reward, you agree to look solely to the brokerage company for the payment of the Realtor Reward and to indemnify, defend and hold harmless McCaffrey Homes for the payment of the Realtor Reward directly to the brokerage company. This indemnity shall survive the expiration of this agreement.

No portion of any Realtor Reward may be credited toward the sales price or the closing costs either at time of contract or settlement.

Should the purchase agreement fail to close, no Realtor Reward will be paid to the referring realtor or broker. Federal regulations require that the referring realtor provide their brokerage company's Federal Employer Identification Number prior to issuance of Realtor Reward. Realtor must be an active licensed California Broker or Agent. Only one referral will be paid per transaction. It is McCaffrey Homes Policy not to negotiate any reduction in the selling price on any home to any buyer based on the fact there is no Realtor participation. McCaffrey Homes and Realtor acknowledge and agree that this agreement does not create an employer/employee relationship between McCaffrey Homes and Realtor.