Don’t Wait for Rates to Drop — Lock in the 4’s or 5’s NOW

Don’t Wait for Rates to Drop — Lock in the 4’s or 5’s NOW

If you’re thinking about buying a home but waiting for interest rates to come down, this is the moment you’ve been waiting for — without the wait.

Right now, buyers purchasing a primary residence using FHA financing have access to exceptional, limited-time interest rate options that can put you in the 4% or 5% range today, instead of hoping for changes later this year.

Many experts expect rates to ease into the high 5’s sometime in 2026. This pricing special allows qualified buyers to secure similar — or even better — rates right now, while inventory and opportunities are still available.

Two Strong Options for FHA Buyers

Option 1

• 4.990% interest rate for Year 1

• 5.990% interest rate for Years 2–30

• Zero cost to the buyer

Option 2

• 4.490% interest rate for Year 1

• 5.490% interest rate for Years 2–30

• 1.25 discount points paid by the buyer
  (Seller concessions may be used to cover this cost)

These options are ideal for buyers who want to maximize affordability now while maintaining long-term stability.

Why This Matters

Many buyers are sitting on the sidelines waiting for rates to drop — but when they do, competition typically increases and prices often follow. This program allows buyers to:

• Secure a lower rate now

• Purchase before competition intensifies

• Start building equity instead of waiting

Program Details & Requirements

• FHA loan

• Primary residence only

• Minimum 620 credit score

• Eligible property types:

  • Single-family homes

  • Townhomes

  • Duplexes, triplexes, and quads
    (At least one unit must be owner-occupied)

⚠️ Important Deadline

This pricing special is currently available through February 13.
Buyers must be under contract by February 13 to qualify.
While an extension is possible, it is not guaranteed.

The Bottom Line

If you’ve been waiting for the “right time” to buy, this could be it. Opportunities like this don’t come around often — and they don’t last long.

If you’re actively looking to purchase a primary home, now is the time to move quickly, explore your options, and take advantage of these rates before the window closes.

Reach out today to see if you qualify and how this program could work for you.