Important disclosures — please read

Estimate only; not a commitment to lend. This tool is for general informational and educational purposes. It is not a loan estimate, pre-approval, pre-qualification, commitment to lend, or offer to enter into an interest-rate lock. All numbers are estimates that depend on credit approval, verified income/assets, property details, program guidelines, and final loan terms, and may change.

Interest rate vs. APR. The rate you enter is a nominal interest rate used to estimate principal & interest — it is not an Annual Percentage Rate (APR). APR reflects certain financing costs and is typically higher than the note rate. Ask your lender for a Loan Estimate showing the APR.

Taxes & insurance are estimated. Property taxes are estimated by applying each community's tax rate to the home price; actual taxes are set by the county assessor. Homeowners insurance is estimated at roughly 0.85% of the home price per year; your actual premium will vary, so use a real quote. HOA dues are the community's annual amount ÷ 12. Closing costs are not included.

Mortgage insurance by program. Conventional PMI applies under 20% down and ends at 20% equity. FHA includes a 1.75% upfront MIP financed into the loan plus monthly MIP (life-of-loan under 10% down). VA includes a one-time funding fee financed into the loan and no monthly MI; many disabled veterans are exempt. Program rates current as of June 2026.

Your right to choose your lender (RESPA). You are not required to use Colten Mortgage as a condition of purchasing a home from Landmark Fine Homes. You may shop for and select any lender. Any business relationship between the builder and the lender does not obligate you to use the lender.

Not a government agency. Colten Mortgage and Landmark Fine Homes are not acting on behalf of, or at the direction of, FHA, VA, HUD, or any government agency. FHA and VA are government loan programs, but this tool and these companies are private entities.

Equal Housing & licensing. Colten Mortgage, a division of All Western Mortgage, Inc. — Corporate NMLS #14210. Equal Housing Lender / Equal Housing Opportunity. Lending products are subject to credit and property approval and are not available in all areas.

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