Monthly Payment Disclaimers

Low Initial Mortgage rate special offered for Residence 140 at De Young Sereno at Tesoro Viejo
STARTING AT 3.625% CONVENTIONAL 30 YR FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $460,040 with 20% down ($92,008) and a loan amount of $368,032, and a qualifying credit score of 740, the new low monthly payment can be as low as $1,678.41.

After application of the 2-1 seller paid buydown, the reduction in monthly payments would be as follows:

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.625%
$1,678.41*

Year 2
4.625%
$1,900.95*

Years 3–30
5.625%
$2,118.60*

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.625% (6.225% APR) 30-year fixed rate term, generally available 01/12/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $460,040 with 20.00% down payment or $92,008.00   Rates may change or not be available at the time of loan commitment, lock-in or closing.  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.  Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.  

Low Initial Mortgage rate special offered on Icon 210 at Tract 0292 De Young Summit at The Preserve
STARTING AT 3.75% CONVENTIONAL 30 YEARS FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $589,890 with a starting rate of 3.75%**, with 20% down ($117,978) and loan amount of $471,912, the Principal & Interest monthly payment would be $2,185.50, after 2-1 buydown of $10,328.16 (seller paid).  Here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.75%
$2,185.50*

Year 2
4.75%
$2,461.72*

Year 3-30
5.75%
$2,753.95*

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Low Initial Mortgage rate special offered for Lot 4 Tract 0301 De Young Sereno at Tesoro Viejo
STARTING AT 3.375% 30 YEAR FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option. 

Example: On a sale price of $478,142 with a start rate of 3.375%** and with 20% down ($95,628.40) and a  loan amount of $382,514 the Principal & Interest only monthly payment would be $1691the first year, after the  2-1 buydown fee of $8,196.24 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.375%
$1,691.08

Year 2
4.375%
$1,909.84

Year 3-30
5.375%
$2,141.97

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.375% (5.438% APR) 30-year fixed rate term, generally available 01/16/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $478,142 with 20.00% down payment or $95,628   Rates may change or not be available at the time of loan commitment, lock-in or closing.  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.  Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.  

Low Initial Mortgage rate special offered for Discover 150 Tract 6325 at The Landing
STARTING AT 3.625% CONVENTIONAL FIXED RATE 
The 2-1 Seller Paid buydown Program: An Affordable option. 

Example: On a sale price of $466,490.00 with a rate of 3.625%**, with 20% down ($93.298.00) and loan amount of $373,192.00 the Principal & Interest monthly payment would be $1701.95  After 2-1 buydown of $8111.04 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.625%
$1,701.95

Year 2
4.625%
$1,918.73

Year 3-30
5.625%
$2,148.30

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.625% (6.233 APR) 30-year fixed rate term, generally available 01/12/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $466.490.00 with 20.00% down payment or $93,298.00.   Rates may change or not be available at the time of loan commitment, lock-in or closing.  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.  Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.  

Low Initial Mortgage rate special offered at Lot 70 Tract 6325 The Landing
STARTING AT 3.99% CONVENTIONAL FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $509,378.00 with a starting rate of 3.99%**, with 20% down ($101,875.60) & loan amount of $407502.00 the Principal & Interest monthly payment would be $1943.13 after 2-1 buydown of cost of $9035.04 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.99%
$1,943.13

Year 2
4.99%
$2,185.07

Year 3-30
5.99%
$2,440.56

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.99% (6.211% APR) 30-year fixed rate term, generally available 1/7/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $509,378.00 with 20.00% down payment or $101,875.60. Rates may change or not be available at the time of loan commitment, lock-in or closing. 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. Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.

Low Initial Mortgage rate special offered at Lot 49 Tract 6325 The Landing
STARTING AT 3.99% CONVENTIONAL FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $516,478.00 with a starting rate of 3.99%**, with 20% down ($103,295.60) & loan amount of $413,182.00 the Principal & Interest monthly payment would be $1970.21 after 2-1 buydown of cost of $9161.04 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.99%
$1,970.21

Year 2
4.99%
$2,215.53

Year 3-30
5.99%
$2,474.58

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.99% (6.22% APR) 30-year fixed rate term, generally available 1/7/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $516,478.00 with 20.00% down payment or $103,295.60 Rates may change or not be available at the time of loan commitment, lock-in or closing. 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. Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.

Low Initial Mortgage rate special offered at Lot 48 Tract 6325 The Landing
STARTING AT 3.99% CONVENTIONAL FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $487,410.00 with a starting rate of 3.99%**, with 20% down ($97,482.00) & loan amount of $389,928.00 the Principal & Interest monthly payment would be $1859.33 after 2-1 buydown of cost of $8645.40 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.99%
$1,859.33

Year 2
4.99%
$2,090.84

Year 3-30
5.99%
$2,335.31

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.99% (6.182% APR) 30-year fixed rate term, generally available 1/7/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $487,410.00 with 20.00% down payment or $97,482.00. Rates may change or not be available at the time of loan commitment, lock-in or closing. 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. Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.

Low Initial Mortgage rate special offered at Lot 40 Tract 6325 The Landing
STARTING AT 3.99% CONVENTIONAL  FIXED RATE
The 2-1 Seller Paid buydown Program:  An Affordable option.

Example: On a sale price of $477,150.00 with a starting rate of 3.99%**, with 20% down ($95,430.00) & loan amount of $384,720.00 the Principal & Interest monthly payment would be $1834.49 after 2-1 buydown of cost of $8530.08 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.99%
$1,834.49

Year 2
4.99%
$2,062.91

Year 3-30
5.99%
$2,304.12

*Monthly payments shown include principal, interest, taxes and insurance rounded up and are shown for comparison purposes only. Payments do not include HOA Homeowners Association fees. Each applicant’s credit profile including credit score, income, employment, and location may impact qualification, rate, costs, and fees. Buydown cost varies by loan amount and is seller paid.

Based on the qualifying interest rate of 5.99% (6.166% APR) 30-year fixed rate term, generally available 1/8/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $477,150.00 with 20.00% down payment or $98,430.00.  Rates may change or not be available at the time of loan commitment, lock-in or closing. 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. Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.

Low Initial Mortgage rate special offered for Lot 133 tract 0301 at Tesoro Viejo
STARTING AT 3.625 CONVENTIONAL 30 YEARS FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $523,798 with a rate of 3.625%**, with 20% down ($104,760) and loan amount of $419,038 the Principal & Interest monthly payment would be $1,911.03 after 2-1 buydown of $9107.64(seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.625%
$1,911.03

Year 2
4.625%
$2,154.44

Year 3-30
5.625%
$2,412.22

Based on the qualifying interest rate of 5.625% (6.267% APR) 30-year fixed rate term, generally available 01/19/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $523798 with 20.00% down payment or $104,760.  Rates may change or not be available at the time of loan commitment, lock-in or closing.  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.  Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.  

Low Initial Mortgage rate special offered at lot 120 Tract 0301Tesoro Viejo
STARTING AT 3.625% CONVENTIONAL  30 YEARS FIXED RATE
The 2-1 Seller Paid buydown Program: An Affordable option.

Example: On a sale price of $560,675 with a rate of 3.625%**, with 20% down ($112,135) and loan amount of $448,540 the Principal & Interest monthly payment would be $2,045.57 After 2-1 buydown of $9748.92 (seller paid), here’s what the reduction in monthly payments would look like for the first two years. 

YEAR | RATE | MONTHLY PAYMENT*

Year 1
3.625%
$2,045.57

Year 2
4.625%
$2,306.12

Year 3-30
5.625%
$2,582.05

Based on the qualifying interest rate of 5.625% (5.66% APR) 30-year fixed rate term, generally available 1/19/2026, factoring in interest, closing costs, taxes and insurance and a sales price of $560,675 with 20.00% down payment or $112,135. Rates may change or not be available at the time of loan commitment, lock-in or closing.  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.  Offers require financing through seller’s affiliate De Young Mortgage, but use of De Young Mortgage is not required to purchase a home.  

Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. De Young Mortgage cannot predict where rates will be in the future. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply. Contact your loan officer with De Young Mortgage Inc. for current rates and additional information.

The 2-1 Buydown Program is a financing option that temporarily lowers the interest rate on a mortgage for the first two years before it adjusts to the permanent rate. During the first year of homeownership, the interest rate is 2% lower than the standard rate. In the second year, the interest rate is 1% lower than the agreed upon rate. After the first two years, the loan converts to the permanent interest rate for the remaining term.

© 2025 De Young Mortgage. This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Information subject to change without notice. De Young Mortgage Inc., CA Department of Real Estate Real Estate Broker License #01926671, NMLS #1026010. De Young Mortgage, 677 W. Palmdon Drive Suite 208A, Fresno, CA 93704. 559 439 9494. www.deyoungmortgage.com