Your Rate, Your Way
Having the right loan option matters. That's why we're giving you the power to choose: lock in the security of a fixed-rate loan, or take advantage of the savings and flexibility of an adjustable-rate mortgage (ARM), both with a special interest rate. The best part? The choice is completely yours.
Available on certain D.R. Horton homes in select communities in Tennessee. Must contract on or after 12/23/25 and close by 01/30/26
3.875%1 (5.735% APR)
FHA 5/1 ARM
- Lower initial interest rate fixed for the first 5 years
- Could mean lower monthly payments for the first 5 years
- The rate cap limits how high your interest rate can go
Loan example shown above is based on 3.5% down payment with a sales price of $345,365, a loan amount of $339,110, up front mortgage insurance premium of 1.75%, and a monthly payment of $1,983. Total monthly payment includes principal, interest, estimated taxes, mortgage insurance, homeowners insurance and HOA. 1 An ARM is a mortgage where the interest rate changes periodically, which could cause the monthly payment to be higher or lower. Interest rate is fixed for the first 5 years and will adjust every year thereafter. The first adjustment will have a 1% cap. Adjustments every year thereafter will have a cap of 1% and a lifetime cap of 5% with a margin of 2%. The fully indexed rate of 5.530% combines the index and margin, and it determines the monthly payment amounts after the fixed-interest period during each adjustment period. Max interest rate can be 8.875%.
OR
4.990% (5.843% APR)
FHA Fixed
- Fixed rate that does not change
Loan example shown above is based on 3.5% down payment with a sales price of $345,365, a loan amount of $339,110, up front mortgage insurance premium of 1.75%, and a monthly payment of $2,207. Total monthly payment includes principal, interest, estimated taxes, mortgage insurance, homeowners insurance and HOA. Rate also available for VA and USDA loan programs.
Financing offered by DHI Mortgage Company, Ltd. Limited Partnership (DHIM). Branch NMLS #1952159. 1210 Premier Dr., Suite 115, Chattanooga, TN 37421. Company NMLS #14622. DHIM is an affiliate of D.R. Horton. For more information about DHIM and its licensing please visit www.dhimortgage.com/affiliate/. All terms and conditions subject to credit approval, market conditions and availability. D.R. Horton has locked-in, through DHIM, a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires. INTEREST RATE OFFERED APPLIES ONLY TO the D.R. Horton family of brand properties purchased as borrower’s principal residence. Not all borrowers will qualify for said rate. Rate is not applicable for all credit profiles and may require borrower to pay points to obtain the advertised rate. Restrictions apply. Additional closing costs will apply. May not be able to be combined with other available D.R. Horton offers or discounts. Please contact your Mortgage Loan Originator for complete eligibility requirements. Contact a D.R. Horton sales representative for more information and for a list of available homes. Property restrictions apply. Buyer is not required to finance through DHIM to purchase a home; however, buyer must use DHIM to receive the advertised rate. Photos are representational only. Equal Housing Opportunity. APR=Annual Percentage Rate. HOA = Home Owner’s Association. FHA = Federal Housing Administration. REV: 12/26/25 | Expires on the close by date listed above.
