30-YEAR VA 2/1 TEMPORARY BUYDOWN DISCLAIMER @ 2.99% - 10.28.2025
For example, on a 30-year 2-1 temporary buydown loan, with a sales price of $450,000, a 0% down payment, a loan amount of $459,675 which includes the funding fee, a 680 FICO score, with a note rate of 4.99% (6.23% APR), the monthly principal and interest (P&I) payments are as follows: Year 1 monthly P&I payments of $1,935.53 at 2.99%, Year 2 monthly P&I payments of $2,191.91 at 3.99%, and Year 3-30 monthly P&I payments of $2,464.83 at 4.99% for the life of the loan. Example payments do not include estimated taxes of $600, homeowner insurance of $100, or HOA fees. Flintrock Builders locked in through Spark Mortgage, a fixed interest rate for a pool of funds made available to homebuyers on certain properties for a limited time. Rates are available until the pool of funds is depleted or promotion expires. The interest rates offered apply only to homes from Flintrock Builders, financed through Spark Mortgage for a borrower’s principal residence. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time without prior notice. The rate is subject to agency loan level pricing adjustments for FICO score and loan to value. Participating in the lock program is not a commitment to lend. The lock program must be mentioned at the time of application and is not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Flintrock Builders. Not applicable with any other offers. Locking the promotional interest rate is the borrower’s responsibility with Spark Mortgage. Locking is done at the borrower’s discretion and all rates/fees quoted are valid only at the time presented. All terms and conditions subject to credit approval, market conditions and availability. Must close within 21 days of signed contract. Example terms are available as of 10/28/2025. ©2025 Spark Mortgage, LLC, 800 Kennedy Court, Suite B, Belton, TX 76513. NMLS# 2603185. www.MySparkMortgage.com | info@MySparkMortgage.com.
**Results are hypothetical and may not be accurate. Consult a financial professional for full details.
*Available on select address-specific homesites. Please contact a Community Sales Manager for more information.
