Cheers to Great Holiday Gifts


Payne Family Homes offers Exceptional Values & Finance Buy Down on Move-In Ready Homes

This year, you can host the holiday party in your new home when you select one of dozens of Homes Ready Now available to close prior to the end of this year. Enjoy new home construction without the wait! Plus, right now, Payne Family Homes is buying down the cost to make a move to new home construction by 2 points. Choose from two different ways to use this special incentive: 1) Take advantage of interest rates as low as 3.875%† financing or 2) Apply the savings to reduce your closing costs.

November 2018 Promotion

This tremendous offer is made in combination by Payne Family Homes with the lowest prices of the year on all Move-In Ready inventory homes scheduled to close by 12/31/18. Interested buyers may also choose a favorite floor plan and personalize their new home from the ground up! That’s right. This same great finance offer applies to our to-be-built products, as well.

Payne Family Homes is building luxurious single family ranch, 1.5 story and two story homes – some offering carefree, maintenance-providing living – in communities across the St. Louis region. Explore move-in ready opportunities available now in Arnold, Fenton, Wildwood, Eureka, St. Charles, St. Peters, St. Paul, Cottleville, O’Fallon, Lake St. Louis, Wentzville and Foristell.

But you’ve got to hurry. All move-in ready inventory homes are available first come first served. And, just like the magic of the season, this special reduced finance offer is for a limited time only. Visit a Payne Family Homes community today. Offer details below with additional information available when you chat online, call or text 314-477-1218 or visit with a community sales manager in any of our Payne Family Homes new home communities.

†Offer is only effective for a limited time on contracts for new home construction.  Payne Family Homes (PFH) to pay 2 points or 2% of the final loan amount towards the reduction of interest rate, long term rate lock or closing cost reduction.  Offer good for all to be built homes with a firm contract by December 31, 2018 and all inventory homes with a firm contract to close date by December 31, 2018.  Advertised mortgage rate is based upon PFH (seller) contributing 2 points to buy-down interest rate to 3.875% (5.163% APR) for a conforming 5/1 adjustable rate mortgage (ARM) (caps 2% initial/2% periodic/5%lifetime), 1-YR LIBOR lndex, 2.25% Margin, 5.22% Fully Indexed) with a 30 year term on an owner occupied primary residence with a rate at 4.125% (5.209% APR) for a conforming 5/1 ARM (caps 2% initial 2% periodic 5% lifetime as published) on the lender’s rate sheet as of November 1, 2018; borrower FICO >= 740; 5% purchaser funded down payment (95% LTV); and maximum principal loan amount of $453,100. There is an additional cost for the Extended rate lock program. This information is not a Paramount Mortgage commitment to lend. Offer eligibility is subject to property and credit approval, including loan application, verification and underwriting, and only available to qualified purchasers for a limited time. Special loan program and other restrictions apply. Offer terms, loan program guidelines and interest rates are subject to change at any time without notice. Offer may be withdrawn at any time without notice and is only used in combination of the Everyday Hero’s incentive. See sales manager and mortgage loan officer for details. Advertised Interest Rate is valid only for purchasers utilizing the mortgage loan origination services provided by Paramount Mortgage, a Missouri licensed equal housing mortgage originator. Seller and Paramount jointly advertise. Purchasers are not required to use Paramount Mortgage as a condition of Seller’s sale of a home to purchasers. NMLS 67856, Missouri residential mortgage licensee 17-1811.