Specific homes with promo rates
No specific-home offers found in the current data.
Metro-wide & community programs
Ashton Woods
Wales Ranch, San Tan Valley 85140
Active
4.25% / 4.73% APR
Rate type
TRUE 30-YEAR FIXED forward lock, FHA/VA
APR
640 min FICO, 3.5% down
Buyer incentive
50% off design options (up to $20,000 savings); 75% off homesite premiums (up to $22,500 savings)
Window / expiry
Priced 0.625% above the move-in-ready fixed - the premium for a Feb 2027 closing runway. APR varies with the home's price: Ashton Woods' 9/15/26 fine print quotes 4.5% APR on a $500,000 example, while the 9/10 materials quote 4.73%. The higher figure is shown here.
Ashton Woods
Stonebridge Manor, Waddell 85355
Active
4.25% / 4.73% APR
Rate type
TRUE 30-YEAR FIXED forward lock, FHA/VA
APR
640 min FICO, 3.5% down
Buyer incentive
75% off design options (up to $30,000 savings); 50% off homesite premiums (up to $27,000 savings)
Window / expiry
Design-option discount here is richer than Wales Ranch (75% vs 50%). APR varies with the home's price: Ashton Woods' 9/15/26 fine print quotes 4.5% APR on a $500,000 example, while the 9/10 materials quote 4.73%. The higher figure is shown here.
Ashton Woods
Aloravita, Peoria 85383. Fine print extends it to "select Ashton Woods Phoenix area communities".
Active
4.99% / 5.0% APR
Rate type
TRUE 30-YEAR FIXED, conventional loan. The rate holds constant for the full 30-year term - it does not step up after an introductory period and it never adjusts. Verbatim from the fine print: "30 year fixed rate is calculated at 4.99% rate (APR 5%)."
APR
$600,000 purchase price, 10% down, conventional loan.
Buyer incentive
Up to 50% off design options at The Studio by Ashton Woods, applied to the first $80,000 of spend (up to $40,000 in savings). Up to 50% off homesite premiums.
Window / expiry
Rate pool expires 10/20/2026, or sooner if the funds are used up - the fine print limits it to "the next two home sales only at community" on a first-come basis. This is the conventional-loan counterpart to the 4.25% offer, which is FHA/VA only.
Century Communities
Overlook at Palomino Ranch, Maricopa 85139
Active
3.875% / 4.511% APR
Rate type
TRUE 30-YEAR FIXED, USDA loan. Not a buydown.
APR
$400,000 sales price, 0% down, 620 min FICO, $408,160 loan amount (includes financed USDA guaranty fee), $2,462.04/mo INCLUDING principal, interest, taxes and hazard insurance. HOA extra.
Buyer incentive
100% financing (0% down) on USDA-eligible homes; $1,000 earnest money deposit assistance (contingent on closing with Inspire Home Loans). Closing costs are NOT covered.
Window / expiry
No rate-lock expiration published. 'Interest rates may not be available at time of loan commitment or closing.' USDA is subject to income and per-parcel geographic eligibility.
Century Communities
Phoenix metro division-wide. No individual communities or addresses named in the email. Homes 1,585-2,935 sqft, from the $300s.
Active
4.25% FHA and 4.25% VA
Rate type
TRUE 30-YEAR FIXED. Stated verbatim as "30-YEAR FIXED-RATE LOAN", bought down permanently with a seller contribution toward discount points. NOT a temporary 2-1 buydown and NOT an ARM. FHA/VA ONLY - no conventional rate is quoted anywhere in this offer.
APR
FHA: 5.121% APR on $400,000 price, 3.5% down, $392,755 loan, 620 min FICO, $1,932.12 P&I. VA: 4.546% APR on $400,000 price, 0% down, $408,600 loan, 620 min FICO, $2,010.07 P&I. Both exclude taxes, MI, hazard insurance and HOA.
Buyer incentive
Up to $6,000 toward closing costs, contingent on closing with Inspire. Does not cover prepaids, property/mortgage insurance or mortgage installments. Total Inspire incentive capped at 3% of sales price.
Window / expiry
No rate-lock date published. Fine print: "Availability of rate special is limited and subject to change at any time without notice. This offer may change upon exhaustion of funds."
Century Communities
Phoenix metro division-wide. No individual community or home named.
Active
4.25% FHA and 4.25% VA
Rate type
TRUE 30-YEAR FIXED (stated verbatim as "30-YEAR FIXED-RATE LOAN"). Achieved via a seller contribution toward discount points, i.e. a permanent buydown. NOT a temporary 2-1 or 3-2-1 and NOT an ARM.
APR
FHA: 5.121% APR on $400,000 price, 3.5% down, 620 FICO, $392,755 loan, $1,932.12/mo P&I plus MIP. VA: 4.546% APR on $400,000, 0% down, 620 FICO, $408,600 loan, $2,010.07/mo P&I.
Buyer incentive
Up to $6,000 toward closing costs, capped at 3% of sales price, contingent on financing through Inspire Home Loans.
Window / expiry
No rate-lock date published. Fine print warns rates "may not be available at time of loan commitment or closing" and the offer "may change upon exhaustion of funds." No conventional rate is offered, FHA and VA only.
Mattamy Homes
Select quick move-in homes, Mattamy Phoenix division AZ
Active
4.99% / 5.727% APR
Rate type
TRUE 30-YEAR FIXED, FHA. Mattamy has locked a fixed rate for a pool of funds; the rate holds for the full term at one payment.
APR
$472,000 purchase price, $463,450 loan, 3.5% down, 640 median credit score, includes upfront FHA mortgage insurance premium.
Buyer incentive
Seller pays up to 2% of the purchase price toward closing costs.
Window / expiry
Limited pool of funds - the rate holds until the pool is used up.
Starlight Homes
Starlight Homes Phoenix communities, AZ
Active
5.49% / 5.89% APR
Rate type
TRUE 30-YEAR FIXED, FHA first mortgage. One rate for the full term.
APR
$299,740 sales price, 30-year fixed FHA first mortgage, 640 minimum credit score.
Buyer incentive
Down payment assistance of 3.5% as a forgivable second lien - 30-year term at 0% interest, forgiven after 36 on-time payments.
Window / expiry
Rate available until the pool of funds is used up, or it expires 9/30/26.
Taylor Morrison
Ellsworth Ranch Landmark Collection, Queen Creek AZ
Active
4.99% / 5.07% APR
Rate type
TRUE 30-YEAR CONVENTIONAL FIXED with a 9-month lock. Not a buydown, not an ARM.
APR
$500,000 price, $400,000 loan, 20% down, 780 median FICO, conforming, owner-occupied. Minimum loan amount $225,000. APR is calculated using seller incentives.
Buyer incentive
Up to $8,000 seller-paid toward a Temporary Buydown Fund, closing costs, up to one year of HOA dues, prepaids and/or discount points. Stated as stackable with other seller closing-cost incentives. Quick move-ins carry an unspecified price reduction.
Window / expiry
'Available for a limited time until pool of funds is depleted or rate expires' - no date. Disclaimer code DMKT-6813. Not combinable with other incentives except per the Incentive Addendum.
Tri Pointe Homes
Soleo and Terraza, Phoenix metro AZ
Active
4.99% / 5.571% APR
Rate type
TRUE 30-YEAR FIXED, conventional. The builder pays for a permanent buydown, so the 4.99% holds for the full 30-year term at the same payment from the first month to the last.
APR
Conventional 30-year fixed. Builder pays $30,100 in points and fees as closing costs. Rates effective 8/20/26 on a 120-day lock.
Buyer incentive
An FHA version of the same 4.99% is offered at 6.081% APR and adds $8,000 toward closing costs. Up to $40,000 in closing credit at Blossom Rock.
Window / expiry
120-day rate lock. Rates effective 8/20/26.
Tri Pointe Homes
Phoenix metro AZ to-be-built homes
Active
4.99% / 5.341%-5.366% APR
Rate type
TRUE 30-YEAR FIXED, conventional, through a builder-paid permanent buydown. The rate stays at 4.99% for the whole term.
APR
Conventional 30-year fixed. Rates effective 9/11/26 on a 270-day lock.
Buyer incentive
The 270-day lock is the longest runway on the board - it covers a build finishing as late as May 2027.
Window / expiry
270-day rate lock, rates effective 9/11/26 - the freshest stamp found this week.