Rates as Low as 3.99%*

*The advertised loan program is an FHA 5/1 Adjustable-Rate Mortgage with an interest rate of 3.990% (5.796% APR). 2799 Buccaneer Trail: The interest rate quoted assumes a loan at 95% loan-to-value (LTV), an FHA loan amount of $295,690, which includes the Upfront Mortgage Insurance Premium, a minimum credit score of 680, with 1 discount point for a primary residence. During the initial 63-month period, the estimated principal and interest payment would be $1,409.97 per month. Adding estimated property taxes of $507.28 and FHA monthly mortgage insurance of $123.20, the estimated total monthly payment would be $2,040.45. The interest rate is subject to annual adjustments after the initial 63-month period, limited to 1% per year with a lifetime adjustment cap of 5% above the initial rate. If the interest rate reached the lifetime maximum cap of 8.990%, your principal and interest payment (not including taxes and insurance) would be approximately $2,377.06. 2790 Buccaneer Trail: The interest rate quoted assumes a loan at 95% loan-to-value (LTV), an FHA loan amount of $296,657 which includes the Upfront Mortgage Insurance Premium, a minimum credit score of 680, with 1 discount point for a primary residence. During the initial 63-month period, the estimated principal and interest payment would be $1,414.58 per month. Adding estimated property taxes of $508.94 and FHA monthly mortgage insurance of $123.61, the estimated total monthly payment would be $2,047.13. The interest rate is subject to annual adjustments after the initial 63-month period, limited to 1% per year with a lifetime adjustment cap of 5% above the initial rate. If the interest rate reached the lifetime maximum cap of 8.990%, your principal and interest payment (not including taxes and insurance) would be approximately $2,384.84. 2768 Messenger Way: The interest rate quoted assumes a loan at 95% loan-to-value (LTV), an FHA loan amount of $309,223, which includes the Upfront Mortgage Insurance Premium, a minimum credit score of 680, with 1 discount point for a primary residence. During the initial 63-month period, the estimated principal and interest payment would be $1,474.50 per month. Adding estimated property taxes of $530.50 and FHA monthly mortgage insurance of $128.84, the estimated total monthly payment would be $2,133.84. The interest rate is subject to annual adjustments after the initial 63-month period, limited to 1% per year with a lifetime adjustment cap of 5% above the initial rate. If the interest rate reached the lifetime maximum cap of 8.990%, your principal and interest payment (not including taxes and insurance) would be approximately $2,485.85. Actual payment amounts will vary each year after the fifth year based on changes in the 1-year UST CM index plus a 1.75 margin. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Not all applicants will qualify. This offer is available for a limited time only. Rates and terms are effective 8/27/2026 and are subject to change without notice. All options are not available on all programs. This is an Advertisement. CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an EQUAL HOUSING LENDER NMLS #46375; Regulated by Montana Division of Banking & Financial Institutions, License #2472138; Branch Address: 1205 S. Main St, Suite #102, Kalispell, MT 59901; Branch NMLS#2472138 | (nmlsconsumeraccess.org).