Lock In Rates Starting at 3.75%*

YOUR GUIDE TO DISCOUNTED MORTGAGE RATES

What is a 30-Year Fixed Rate?  

- How It Works: With a fixed-rate mortgage, your interest rate remains the same for the entire loan term. This means your monthly principal and interest payment won’t change, regardless of market fluctuations.

- Why It’s Valuable: A fixed rate allows you to plan your finances confidently. You’ll never have to worry about rising interest rates increasing your monthly payment, which is especially valuable during times of market uncertainty.

- Who Benefits Most: A fixed-rate mortgage is perfect for buyers seeking long-term financial stability and a consistent payment plan they can rely on.

What is a Temporary Buydown?  

A temporary buydown is a financing option that lowers your mortgage interest rate for the first few years of your loan—giving you reduced monthly payments during that initial period.

- How It Works: With a temporary buydown, a portion of your interest is prepaid upfront (often by the builder or seller), allowing for a lower monthly payment in the early years. For example, with a 2-1 buydown, your rate is 2% lower in Year 1, 1% lower in Year 2, and then returns to the full rate in Year 3 for the remainder of the loan.

- Why It’s Valuable: It gives buyers immediate relief on monthly costs—helping offset moving expenses, furnishing a new home, or adapting to a new budget. It also creates a smoother financial transition as you settle in and plan long term.

- Who Benefits Most: First-time buyers, growing families, or anyone looking to ease into a mortgage. It’s especially helpful in a high-rate environment or for buyers expecting future income growth or a refinance opportunity.

What is an Adjustable Rate Mortgage (ARM)?  

An ARM is a mortgage with an interest rate that starts low and then adjusts periodically based on market conditions.

- How It Works: ARMs typically begin with a fixed-rate period (e.g., 5, 7, or 10 years), during which your interest rate stays the same. After that, the rate adjusts annually based on a market index. For example, a 5/1 ARM has a fixed rate for 5 years, then adjusts once per year.

- Why It’s Valuable: ARMs often offer a lower initial interest rate than fixed-rate loans, which means lower monthly payments during the early years. This can be especially useful if you plan to move, refinance, or pay off the loan before the rate adjusts.

- Who Benefits Most: Buyers who don’t plan to stay in their home long-term, expect future income growth, or want to maximize buying power with lower early payments.

Why Choose Lokal?

At Lokal, we’re committed to making homeownership accessible and stress-free. Our customized promotions are just one way we go above and beyond to support you throughout your journey. Our ultimate goal is to make your dream home a reality.

Ready to learn more about how our Flex Cash incentives can benefit you? Contact us today to speak with one of our knowledgeable representatives. We're here to help make your dream home a reality!

Denver: (720) 656-4512

CO Springs: (719) 247-1520

Email: sales@lokalhomes.com

*Rates as low as 3.75% available on select quick-move-in homes when financing through Frame Home Loans. $7,500 closing cost credit applied at closing on qualifying Home of the Week purchases. Cannot be combined with other offers. See sales counselor for full details and eligibility requirements. Frame Home Loans, NMLS ID #2728586, 4301 Westbank Drive, Suite 250B, Austin, TX 78746. For full licensing information, visit www.nmlsconsumeraccess.org. Loans not available in all states. This is not a commitment to lend; applicants must qualify. Certain restrictions apply. Rates, programs, terms and conditions are subject to change without notice. Frame Home Loans is not affiliated with or acting on behalf of or at the direction of any government agency, including but not limited to: HUD, FHA, VA, USDA. Equal Housing Lender. Rates effective as of 12/15/2025, are based on a 700 FICO score for conventional loans and a 660 FICO score for FHA loans, and a seller credit from seller being used towards discount points. APR refers to Annual Percentage Rate. Conventional 30 yr fixed 4.875%/4.937% APR. Conventional 5/6 ARM 3.875%/5.185% APR. FHA 30 yr fixed 4.75%/5.539% APR. FHA 5/1 ARM 3.75%/5.695% APR. Rate comparison is for illustrative purposes only; your actual loan terms may vary. Some products may not be available in all states. Call for details and get your individual quote.