Loading Arizona new homes...Independent Arizona new-home searchReal estate services by Tim Coleman, Realtor · Call It Closed International Realty
Loading Arizona new homes...Based on this home’s actual listed price of $489,990, compare a market-rate example against a 4.5% FHA fixed-rate example and a 3.875% 7/6 ARM example.
Baseline market-rate estimate
You could save $658/mo
You could save $1,050/mo
That is about $7,896 per year and $39,480 in five years. Ask the team to verify what incentives, rates, and terms are actually available for this home today.
Payment examples are illustrative only. Taxes, insurance, HOA, mortgage insurance, rate, incentives, and qualification vary. Financing is subject to borrower qualification and lender approval.
Ask Tim · Apache Junction, AZ
33.324, -111.548Price, down payment, rate, taxes/insurance/HOA, and a clean market-rate comparison without making mobile users scroll forever.
A 7/6 ARM is an adjustable-rate mortgage where the initial rate is fixed for the first 7 years. After that first 7-year period, the rate can adjust every 6 months based on the loan terms, market index, margin, and adjustment caps.
Why it could be a good option: the starting rate can be lower than a fixed-rate example, which may lower the estimated monthly payment during the first 7 years. If the buyer does not expect this to be their forever home, or may refinance, move, or upgrade before year 7, it can be worth comparing.
ARM examples are not right for every buyer. Future payment can rise after the initial period. Verify APR, caps, index, margin, adjustment schedule, qualification rules, and current lender disclosures before relying on it.Principal + interest $2,396
Taxes .45% $184
Insurance $60/mo
HOA $125
Loan amount $472,840
Use this as a planning example only. Actual rate/APR, payment, points, fees, incentives, and eligibility must be verified through the lender and current builder program before anyone relies on it.
Builder credits can help, but they must be verified against the current home, lender, and contract terms.
Down payment$17,150
Estimated closing costs$12,250
Prepaids / reserves$2,450
Builder creditAsk our team
Estimated cash due$31,850
Save or share this home and the New Home Finds AZ team can help verify current availability, pricing, incentives, lender promotions, tour access, and comparable new construction homes.
Inventory comes from verified builder sources and authorized inventory files. Confirm current details before relying on them.