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.
PLUS
All closing costs paid on select new homes.
You pay $0 in closing costs with DHI Mortgage.2
For the purpose of this promotion, closing costs may include: origination fee, origination charge, processing fee, appraisal fee, title search, title insurance, escrow/settlement fees, county recording fees, and documentation preparation fees. Closing costs DO NOT include such fees as: tax/insurance impounds, mortgage insurance or mortgage discount points, survey fees, or homeowners’ association fees/dues.
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