Heritage Ranch

**Zero down offer available only for closed purchase agreements with buyers who qualify for USDA financing through K. Hovnanian American Mortgage, L.L.C. (KHAM). KHAM reserves the right to change, withdraw or discontinue any offer at any time without notice.  Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions. Not all property locations are eligible under the USDA program and specific eligibility, credit and income restrictions apply. Subject to final negotiation of contract terms and is subject to all RESPA guidelines. Availability may vary. Prices do not include closing costs and other fees to be paid by buyer. Prices are subject to change without notice. The USDA zero down program is a fixed rate for 30 years, owner occupied and requires an upfront Guarantee Fee Financed in addition to a monthly USDA Annual Fee Premium paid monthly. This is not an offer in states where prior registration is required. Void where prohibited by law. Seller is not a lender. Offer not available on all homes, communities or states. Offer subject to change without notice. See Sales Consultant for details. K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Mortgage Banker Registration issued by Texas Department of Savings and Mortgage Lending. Equal Housing Opportunity. 

Prices, availability, and specifications may change without notice. Lot and view premiums may apply, and availability is not guaranteed. This site makes use of licensed stock photography, artist renderings and may use artificial intelligence. Some photography and artist renderings may be used for illustrative purposes and contain structural options, furnishings or designer features that are not included as standard. Certain materials may be discontinued or substituted. Room dimensions may vary.  Please see a community Sales Consultant to learn how you can personalize your new home with optional features and upgrades. Amenity offerings may vary by community. Financial incentives including but not limited to rate buy downs, builder forward commitments (BFCs), special fixed interest rates and flex cash offerings are limited and may be discontinued without prior notice.  Please speak with a community Sales Consultant for details.

*On Select inventory homes for contracts entered between November 26, 2024 and December 31, 2024. Home must close by 1/31/25. Example: Lot # 16 at Heritage Ranch. Other homes at  Heritage Ranch or at other communities may or may not offer different rate programs.  A sample interest rate of 3.99% (4.742% APR) for a of an owner-occupied, 3.5% down payment FHA loan. Sales price used for comparative purposes is an estimated sales price and not associated with a specific home or location. Example: 3.99% (4.742% APR) 30 Year Fixed FHA mortgage, sales price of $389,000, and loan amount of $375,385.  Special Interest Rate Financing may change or not be available or funds may be exhausted at the time of loan commitment, lock-in or closing. This is a limited time promotion. Mortgage Insurance Premium (MIP) is required at an upfront rate of 1.75% and is financed, in addition to monthly MIP at the required annual rate. Flood insurance may be required. Example is for illustrative purposes only; interest rates are subject to market conditions.  For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. Optimal Blue, LLC is and shall remain the exclusive owner, all rights reserved. This offer may change or be cancelled without prior notice. Seller is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Seller is not a lender. Buyer is not required to finance through K. Hovnanian American Mortgage, L.L.C. (“KHAM”) to purchase a home; however, financing through KHAM is required to receive incentive.  Offer and subject to all RESPA guidelines. This is not a commitment to lend. Buyer is subject to credit and underwriting qualifications, and investor program guidelines. Not available on all homes or in all communities or states.  Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Restrictions apply.  See Sales Consultant for details. K. Hovnanian American Mortgage, L.L.C. NMLS #3259|3601 Quantum Boulevard, Boynton Beach, FL 33426 (www.nmlsconsumeraccess.org) | KHOVMORTGAGE.COM. Licensed by Arizona Department of Insurance and Financial Institutions. Lic. #906585. Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532. Licensed by Delaware Office of the State Bank Commissioner to engage in business in this State. Lic. #7864 Expiration 12/31/2024. Licensed by Florida Office of Financial Regulation. Licensed by the Georgia Department of Banking and Finance #22272. Licensed by the Maryland Office of the Commissioner of Financial Regulation. Licensed by New Jersey Department of Banking and Insurance. Licensed by Ohio Division of Finan­cial Institutions. Lic. RM.850228.000. Licensed by the Pennsylvania Department of Banking and Securities. Licensed by South Carolina Board of Financial Institutions. Mortgage Banker Registration issued by Texas Department of Savings and Mortgage Lending. Licensed by Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. Licensed by the District of Columbia Department of Insurance, Securities and Banking. Licensed by the West Virginia Division of Financial Institutions. For licensing information, go to www.nmls­consumeraccess.org. Equal Housing Opportunity.