Rates are dropping – Savings for a Limited Time Only*

Rates are dropping – Save NOW for a Limited Time!*

If you’ve been on the fence about buying a new home, this might be the news you’ve been waiting for: mortgage rates just hit an 11-month low.

According to the Mortgage Bankers Association, the average U.S. 30-year fixed mortgage rate dropped to 6.49% for the week ending September 5, 2025, the lowest level since October 2024. - "US 30-year mortgage rate slides to 11-month low, MBA data shows" - Reuters, September 10, 2025.

That means buyers today have an opportunity to lock in a lower monthly payment compared to just weeks ago.

What This Means for Homebuyers

Falling rates don’t just sound good in the headlines, they directly impact your ability to afford more home for your money. Lower rates = lower payments, which can open the door to move forward with confidence instead of hesitation.

And here’s the best part: while the national average is 6.49%, De Young Mortgage is offering rates as low as 4.875% (5.113% APR)* on select quick move-in ready homes when combined with seller incentives. That’s a game-changing difference for your monthly budget.

Why Timing Matters

Real estate is all about timing, and right now, the timing is on your side. Rates can shift quickly, and available homes are limited. With the combination of historically lower rates and ready-to-move-in homes, waiting could mean:

• Higher monthly payments if rates climb back up
• Missing out on the best homesites available now
• Losing the chance to take advantage of limited-time incentives

Move-In Ready Homes Available Now

We currently have quick move-in homes ready for you at De Young Sereno and De Young Verano at Tesoro Viejo, meaning you can skip the wait and start enjoying your new home sooner. These opportunities pair beautifully with today’s rates, creating one of the strongest buying moments we’ve seen in nearly a year.

Take the Next Step

Don’t let this window close. Reach out today to explore move-in ready homes and see how low your payment could be with De Young Mortgage.

Contact Us Today to Lock In Your Rate!

*Savings available only on select De Young Properties homes and for a limited time. To qualify, buyer must enter into and fully execute a purchase and sale agreement on or before September 30, 2025. Offer is non-transferable, may not be applied to any prior agreement currently in escrow, and cannot be combined with any other promotions, incentives, or discounts unless expressly stated in writing by De Young Properties. Promotional offers are typically limited to specific homes and communities and are subject to availability, terms, and conditions, which may change or be withdrawn at any time without prior notice. To be eligible for promotional incentives, prospective buyers must reserve and execute a contract within the promotional timeframe; finance through De Young Mortgage; complete the transaction without representation from an external real estate agent; and successfully close escrow on the purchase of the De Young Properties home. Broker commission is paid at close of escrow. Not an offer to enter into an interest rate or discount point agreement and any such agreement may only be made in writing signed by both the borrower and the lender. Specific terms apply and buyer is subject to qualification that includes but is not limited to a minimum credit score of 740, owner occupancy requirements, and/or investor guidelines or programs. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions. Certain incentives could affect the loan amount. Prices subject to change without notice. De Young Properties reserves the right to change or withdraw any offer at any time. Offer requires financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home. The amount or rate of real estate commissions is not fixed by law and may be negotiated between the seller and broker. See a De Young New Home Specialist for full program details. All information, pricing, features, incentives, and availability are subject to change at any time without notice. Actual homes may differ from renderings or model representations. Floorplans, maps, elevations, specifications, warranties, features, schools, and services may be modified, canceled, or substituted at any time. Square footages and dimensions are approximate and may vary. Not all plans include all features. Please refer to the actual purchase agreement for all disclosures, disclaimers, and conditions. © 2025 De Young Mortgage. This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. DeYoung Mortgage, Inc., CA Department of Real Estate Real Estate Broker, License #01926671, NMLS#1026010. Features are subject to change or cancellation without notice or obligation and some limitations apply. See New Home Specialist for details. Copyright © 2025 De Young Properties, All rights reserved.