Lock in a rate for up to 350 days!

The fee's on us this month.*

If you've been waiting for the right time to buy, this is it!

Loan limits are up and rates are great—currently 4.000% (5.042% APR) for a 30-year, fixed-rate FHA loan.** That's a big boost to your buying power!

With an extended rate lock from HomeAmerican Mortgage, you can start building your new home without worrying about the 2020 mortgage market. The rate you lock is the rate you'll get for 350 days, no matter how far rates rise in the meantime. And, if rates happen to drop, you'll have a chance to float down before you close.

No rate regrets! 

This is a limited-time offer, so sign up now for your savings certificate. 

* Offer is valid on new contracts with Richmond American Homes signed between February 1 and February 29, 2020, when financing is provided by HomeAmerican Mortgage Corporation. See licensing information below. Borrower may lock an interest rate for up to 350 days, with 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 for owner occupants only and is subject to market availability and buyer qualification. A $750 extended rate lock fee will be paid by Richmond American Homes. No upfront costs for rate protection are required of the borrower. Offer is valid only on fixed-rate loan programs with a loan amount up to $510,400.00. Offer is subject to change according to loan type, loan amount and loan program. Actual rate will be based on the rate for a 60-day lock period at time of interest rate lock plus an adjustment which will vary depending on the lock period chosen. The adjustment for the lock period chosen will also apply if the one-time option to re-lock is exercised. Total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 3% of the base price of the home. Additional terms and conditions may apply. Visit a Sales Center for details. Funds are limited and available on a first-come, first-served basis.

** Financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Estimated rate is based on a sales price of $370,075 and a 30-year FHA fixed-rate loan with an interest rate of 4.000% and a 3.5% down payment. The total loan amount, including the upfront mortgage insurance premium, is $363,372. Monthly principal and interest payment = $1,734.79. APR = 5.042%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment and actual payment will be higher. Financing is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 96.5% loan-to-value ratio, FHA maximum loan limits, qualification using full documentation and a minimum FICO score of 640. This example is based on the average national sales price of $370,075 and interest rates as of January 27, 2020, for a 60-day lock period. Interest rate is not guaranteed and is subject to change without notice.

HomeAmerican Mortgage Corporation's principal offices are located at 5775 DTC Boulevard, Suite 300S, Greenwood Village, CO 80111. 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 Business Oversight 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.

©2020 Richmond American Homes; Richmond American Homes of Arizona, Inc. (a public report is available on the state real estate department’s website), Richmond American Construction, Inc. ROC #206612; Richmond American Homes of Maryland, Inc., California Bureau of Real Estate – Real Estate Broker, Corporation License Number 01842595; Richmond American Homes of Colorado, Inc.; Richmond American Homes of Florida, LP, CGC1519936, CBC1257429; Richmond American Homes of Maryland, Inc., MHBR #299; Richmond American Homes of Nevada, Inc., Nevada Contractor License #0026417; Richmond American Homes of Oregon, Inc., CCB #: 218193; Richmond American Homes of Utah, Inc. (866.400.4131); Richmond American Homes of Virginia, Inc.; Richmond American Homes of Washington, Inc.