*Advertised interest rate of 3.99% has a 6.058% Annual Percentage Rate (APR) and is valid only on firm, non-contingent purchase agreements for eligible, owner-occupied quick move-in homes accepted by Drees Custom Homes between May 1 - 31, 2025, that close by June 30, 2025, with First Equity Mortgage, Inc., an Equal Housing Lender licensed by the Texas Department of Savings and Mortgage, License #SML; NMLS #21157 (www.nmlsconsumeraccess.org).
With the advertised rate, borrower payments for the first year will be based on an interest rate of 2% below the current market rate. The second year’s payments will be based on an interest rate 1% below the current market rate. In years 3-30, payments will be based on the original locked-in rate. For example, in the first year, borrower payments will be based on a 3.99% interest rate (6.058% APR), second year 4.99% interest rate (6.058% APR), then 5.99% interest rate (6.058% APR) for the remaining 28 years. The APR does not consider any other loan specific finance charges buyer may be required to pay. Example shows a 30-year conventional loan for an owner-occupied home with a sales price of $500,000, loan amount of $400,000, 760 credit score and 20% down payment. Subject to standard qualifications and credit approval. Government and adjustable-rate mortgages are not eligible. The 2-1 buydown option is available on Jumbo loans but at a different interest rate.
Advertised 5.50% rate mortgage has a 5.571% Annual Percentage Rate (APR) based on a conventional 30-year fixed-rate mortgage on an owner-occupied one-unit home with a sales price of $500,000, $400,000 loan amount, 760 credit score and a 20% down payment. The APR does not consider any other loan specific finance charges you may be required to pay. Conventional loans only; cannot exceed conventional loan limits. High-balance, VA, USDA, adjustable rate and jumbo loans are excluded. Subject to full credit approval. Availability of advertised rate is limited and only available until commitment pool is filled. Some buyers may not qualify for this loan or this rate.
**The “Save up to $60,000” incentives are valid on firm, non-contingent purchase agreements accepted by Drees Homes in the Greater Austin area between May 1 - 31, 2025, on build to order homes or quick move-in that do not qualify for other financing incentives when buyer finances with First Equity Mortgage, Inc. May not be combined with other incentives. The Designer WOW Package is available for build-to-order homes in the Austin area from May 1 - 31, 2025. WOW package includes specified components that may not be substituted or exchanged for cash discount on home price. Package value will vary due to plan size.
Homes built through the Elevate by Drees Homes division are excluded. First Equity Mortgage, Incorporated is a wholly owned subsidiary of The Drees Company located at 211 Grandview Drive, Suite 102, Ft. Mitchell, KY 41017. Buyer is not required to finance through First Equity Mortgage to purchase a Drees Home; however, buyer must use First Equity Mortgage, Inc. to take advantage of advertised incentives. Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550.