With an extended rate lock from HomeAmerican Mortgage Corporation, you can say goodbye to rate regrets! They'll secure your rate for up to 345 days and if rates happen to drop, you'll have a chance to float down before you close.* Call 866.400.7126 to talk to a loan officer or sign up now and we'll contact you!
Lock in your rate this month and pay no upfront lock fee. Instead, pay a reduced fee of 0.50% of the loan amount at closing.**
* Extended rate lock options are available when financing is provided by HomeAmerican Mortgage Corporation. See licensing information below. Rates may be locked up to 345 days with some loan products limited to a maximum lock period of 165 days. Extended rate lock options include a one-time option to re-lock the rate no sooner than 60 days prior to closing if interest rates decrease during the rate lock period. Offer is subject to market availability and buyer qualification. Offer is valid only on fixed-rate or adjustable-rate loan programs that meet Fannie Mae, Freddie Mac, FHA, VA and HomeAmerican Mortgage Corporation investor requirements and excludes the HomeReady and HomePossible products. The minimum credit score for Conventional loans will be determined by the applicable automated underwriting system; the minimum credit score for FHA loans is 640; the minimum credit score for VA loans is 620. Offer is subject to change according to loan type, loan amount and loan program. Additional terms and conditions may apply. Visit a Sales Center for details.
** Offer is valid for new and existing buyers for Richmond American homes that lock their rate between December 1, 2022, and December 31, 2022, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). A reduced extended rate lock fee of 0.50% of the loan amount will be paid by the homebuyer at time of closing. Offer is valid on conforming fixed- or adjustable-rate FHA or Conventional loan programs and is subject to change. Additional incentives for using HomeAmerican Mortgage Corporation may be available and vary by community, but incentives, when combined, may not exceed 2% of the base price of the home and are subject to legal and loan program requirements and limitations. The offer is available for owner-occupied principal residences only. Home must close within a year of the contract date.
HomeAmerican Mortgage Corporation's principal offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237. HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Arizona Mortgage Banker license #0009265. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. In Nevada, all advertised loans are offered and funded by HomeAmerican Mortgage Corporation, which can be contacted at 7770 S. Dean Martin Drive, Suite 308, Las Vegas, NV 89139, 702.638.4450, License #67. Oregon License # ML-5694.
The Richmond American Homes companies (RAH) and HomeAmerican Mortgage Corporation (HMC) are owned, directly or indirectly, by M.D.C. Holdings, Inc. and, therefore, are affiliated companies. RAH and HMC offer services independently of each other, and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, the other company. Your decision to use a company that is not affiliated with RAH or HMC will not affect your ability to obtain products and services from these companies.
Notice to Texas Consumers Pursuant to 7 TAC §80.200(b)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1.877.276.5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT SML.TEXAS.GOV.