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Would you rather lock in a lower rate or lighten the first six months of payments?
For a limited time, choose between two exclusive promotions designed to make your move easier and more affordable:
3.875% Rate
🏠 Secure a 3.875% mortgage rate for year one, followed by a fixed 4.875% rate.
6 On Us
🏠 Receive up to six months with mortgage payments as low as $500 or less. Six on Us is simple: your first months are on us — with payments as low as $500 or less for up to six months.
That means you move into your new home now, with reduced payments at the start when it matters most.
Use that time to build savings.
Furnish your space.
Recover from moving costs.
Or just breathe.
Whether you’re transitioning from renting, relocating, or stepping into homeownership for the first time, Six on Us gives you a financial head start without the upfront strain.
Disclaimer:
Six months no payment program:
Available on select homes when financing with NEO Home Loans. Builder contribution of up to 6% of the purchase price may be used to fund an escrow account to pay eligible monthly housing expenses including interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues (if applicable). Buyer remains responsible for monthly principal payments. This program does not permanently reduce the note rate, principal balance, or total loan obligation, and the borrower’s full contractual principal and interest payment remains due under the terms of the loan. Available on qualifying FHA and VA loans only and subject to loan approval, underwriting guidelines, and applicable interested party contribution limits. Not all borrowers will qualify. Equal Housing Opportunity. NMLS #330511. All loans subject to credit approval. Terms and conditions apply.
1 Year Buy-down:
Available on select homes when financing with NEO Home Loans. Example assumes a 30-year FHA fixed-rate mortgage with a note rate of 4.875% and a temporary 1-year buydown to 3.875% for the first 12 months. After the first year, the interest rate increases to the full note rate of 4.875% for the remainder of the loan term. Example based on minimum 700 FICO score. Borrowers must qualify at the full note rate. Not all borrowers will qualify. Rate, payment, and terms subject to change without notice and dependent on credit profile, loan amount, property type, and market conditions. This is not a permanent rate reduction. Equal Housing Opportunity. NMLS #330511. All loans subject to credit approval. Terms and conditions apply.