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.
On certain D.R. Horton homes that contract on or after 04/22/26 in Tennessee and close on or before 06/30/26.
3.875%1 (5.802% 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 is based on 3.5% down payment with a sales price of $326,005, a loan amount
of $320,100, and a monthly payment of $2,004. 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 1.000% cap. Adjustments every year thereafter will have a cap of 1.000% and a lifetime cap of
5.000% with a margin of 2.000%. The fully indexed rate of 5.700% 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% (5.697% APR)
FHA Fixed
- Fixed rate that does not change
Loan example shown is based on 3.5% down payment with a sales price of $326,005, a loan amount of
$309,704, and a monthly payment of $2,212. Total monthly payment includes principal, interest,
estimated taxes, mortgage insurance, homeowners insurance and HOA.
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