Disclosures

This payment calculator is provided by Landmark Fine Homes and Colten Mortgage for general informational and educational purposes. The following disclosures apply to all results it produces.

1. Estimate only — not a commitment to lend

Outputs are estimates, not a Loan Estimate, pre-qualification, pre-approval, commitment to lend, rate lock, or offer to enter into any agreement. Final figures depend on credit approval, verified income and assets, property type and appraisal, occupancy, program guidelines, and final loan terms, and may differ materially.

2. Interest rate vs. APR

The interest rate you enter is a nominal "note rate" used only to estimate principal and interest. It is not an Annual Percentage Rate (APR). APR expresses the cost of credit as a yearly rate that includes certain finance charges and is generally higher than the note rate. A Loan Estimate from your lender will disclose the APR for an actual loan offer.

3. Estimated property taxes and homeowners insurance

Property taxes are estimated by applying each community's tax rate to the home price; actual taxes are set by the county assessor and may vary based on exemptions, assessments, and reassessment. Homeowners insurance is estimated at approximately 0.85% of the home price per year; your actual premium will vary, so obtain a quote from a licensed insurance provider. Amounts shown do not include closing costs, prepaids, or escrow reserves.

4. HOA dues

Homeowners association dues are shown as the community's annual amount divided by twelve. Dues are set by the applicable association and are subject to change.

5. Mortgage insurance by program

Conventional: Private mortgage insurance (PMI) generally applies when the down payment is under 20% and is removable as the loan reaches 20%–22% equity under applicable rules. PMI rates vary by credit score and loan-to-value.

FHA: Includes an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the base loan amount, financed into the loan, plus an annual Mortgage Insurance Premium (MIP) paid monthly. For most 30-year loans, annual MIP is about 0.55% (or 0.50% with 5% or more down). With less than 10% down, MIP generally remains for the life of the loan; with 10% or more down, it ends after 11 years.

VA: Includes a one-time VA funding fee, financed into the loan, and no monthly mortgage insurance. The fee varies by down payment and whether it is first or subsequent use, and is waived for many veterans receiving VA disability compensation and certain other borrowers.

Program figures are current as of June 2026 and are subject to change by HUD/FHA, the VA, investors, and applicable agencies.

6. Your right to choose a 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 choose any lender. Any business arrangement, marketing relationship, or incentive between the builder and the lender does not obligate you to use the lender, and you should compare offers from multiple lenders.

7. Not a government agency

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

8. Equal Housing Opportunity

Colten Mortgage is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act, and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because income derives from a public assistance program.

9. Licensing

Colten Mortgage is a division of All Western Mortgage, Inc., Corporate NMLS #14210. Lending products are subject to credit and property approval, are not available in all states or areas, and program availability and terms are subject to change without notice. Verify licensing via the NMLS Consumer Access website.

10. Data sources and currency

Community tax rates and HOA dues are drawn from a Landmark Fine Homes community sheet dated June 9, 2026. The default interest rate reflects market conditions as of June 2026. Where a community's tax rate was unavailable, a clearly labeled estimate is used; confirm actual figures before relying on them.