Merry rates, Brighter savings. For a limited time, qualified buyers can take advantage of a 30-year fixed loan with a 1–0 buydown—helping you start with a lower rate and payment in Year 1, then transition to a fixed rate for Years 2–30.

This offer gives you flexibility in your first year of homeownership while still providing the long-term confidence of a fixed-rate mortgage.

Choose the option that best fits your financing plan: 

FHA: 3.99% in Year 1, then 4.99% for Years 2–30 (5.765% APR)

Conventional: 4.25% in Year 1, then 5.25% for Years 2–30 (5.520% APR).

Our team is here to walk you through the details, confirm eligibility, and provide a personalized payment estimate based on your budget and the home you love. 

Reach out today to see if you qualify and take advantage of this limited-time savings opportunity.

*For Advertisement Purposes Only. Not all applicants will qualify. All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. CLM Mortgage Inc. #215239, 480 Wildwood Forest Dr. 802 Spring, TX 77380, 888-984-888; AZ Mortgage Banker License #1047891; CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, RMLA #41DBO-183025; ID Mortgage Broker/Lender License #MBL-2080215239; NV Mortgage Company License #5786; OR Mortgage Lending License #215239; TX Licensed under Company NMLS #215239 (www.nmlsconsumeraccess.org). Applications must be received by CLM Mortgage, Inc. and the rate locked by 4 pm PT on 1/15/2026. Home must close by 2/16/2026 to qualify for promotion. Financing offered by CLM Mortgage, Inc, NMLS #215239. The above information for FHA Mortgage is based on an FHA Loan with 3.5% down payment, loan amount $490,943, minimum credit score of 660. Rate is also available for VA loan program. Above information for Conventional Mortgage is based on a Conventional Loan with a 5% down payment, loan amount of $475,000, minimum credit score of 740.?