Quality new-construction homes across Utah. First-time buyer assistance up to $20K and competitive financing through Felix Vivanco at First Colony Mortgage.
Casas nuevas de calidad en todo Utah. Asistencia para compradores primerizos hasta $20K y financiamiento competitivo a traves de Felix Vivanco en First Colony Mortgage.
About the Builder
Sobre el Constructor
Candlelight Homes is a trusted Utah home builder delivering quality new-construction homes across communities along the Wasatch Front. With a focus on thoughtful design, energy efficiency, and livable floor plans, Candlelight Homes creates neighborhoods where families can thrive.
Candlelight Homes es un constructor de confianza en Utah que entrega casas nuevas de calidad en comunidades a lo largo del Wasatch Front. Con un enfoque en diseno cuidadoso, eficiencia energetica y planos habitables, Candlelight Homes crea vecindarios donde las familias pueden prosperar.
As a preferred lender for Candlelight Homes, First Colony Mortgage offers Utah Housing first-time buyer assistance up to $20K, preferred lender rates, down payment assistance, and builder closing cost contributions to make your new home more affordable.
Como prestamista preferido de Candlelight Homes, First Colony Mortgage ofrece asistencia para compradores primerizos de Utah Housing hasta $20K, tasas de prestamista preferido, asistencia para enganche y contribuciones del constructor para costos de cierre para hacer tu nueva casa mas accesible.
Exclusive Programs
Programas Exclusivos
These incentives are available when you finance your Candlelight Homes purchase through Felix Vivanco at First Colony Mortgage.
Estos incentivos estan disponibles cuando financias tu compra de Candlelight Homes a traves de Felix Vivanco en First Colony Mortgage.
First-time home buyers may qualify for up to $20,000 in Utah Housing assistance. This can be used toward your down payment, closing costs, or to buy down your interest rate, dramatically reducing the cash you need upfront.
Los compradores primerizos pueden calificar para hasta $20,000 en asistencia de Utah Housing. Esto puede usarse para tu enganche, costos de cierre o para reducir tu tasa de interes, reduciendo dramaticamente el efectivo que necesitas por adelantado.
Access competitive preferred lender rates exclusively available through the Candlelight Homes partnership with First Colony Mortgage. Lower rates mean lower monthly payments and more buying power for your new home.
Accede a tasas competitivas de prestamista preferido exclusivamente disponibles a traves de la alianza de Candlelight Homes con First Colony Mortgage. Tasas mas bajas significan pagos mensuales mas bajos y mas poder de compra.
Receive up to 6% of the purchase price in down payment assistance through Utah Housing Corporation. Structured as a second mortgage, this helps you get into your new Candlelight home with less cash upfront.
Recibe hasta el 6% del precio de compra en asistencia para enganche a traves de Utah Housing Corporation. Estructurado como una segunda hipoteca, te ayuda a entrar en tu nueva casa Candlelight con menos efectivo por adelantado.
Candlelight Homes may contribute toward your closing costs when you use First Colony Mortgage as your preferred lender. This reduces the out-of-pocket expenses at closing and can be combined with other assistance programs.
Candlelight Homes puede contribuir hacia tus costos de cierre cuando usas First Colony Mortgage como tu prestamista preferido. Esto reduce los gastos de bolsillo al cierre y puede combinarse con otros programas de asistencia.
Learn
Aprende
Mortgage terms can be confusing. Here is what each incentive means in plain language.
Los terminos hipotecarios pueden ser confusos. Aqui te explicamos cada incentivo en lenguaje sencillo.
First-time buyer assistance up to $20,000 helps bridge the gap between what you have saved and what you need. This can be combined with FHA financing and Utah Housing DPA to minimize your out-of-pocket costs. It can be the difference between renting and owning your first home.
La asistencia para compradores primerizos de hasta $20,000 ayuda a cerrar la brecha entre lo que has ahorrado y lo que necesitas. Puede combinarse con financiamiento FHA y asistencia Utah Housing para minimizar tus gastos de bolsillo. Puede ser la diferencia entre alquilar y ser propietario de tu primera casa.
A 2-1 buydown temporarily lowers your mortgage interest rate. In Year 1, your rate is 2% below the note rate. In Year 2, it is 1% below. Starting Year 3, you pay the full rate. The builder funds the difference, so your early payments are significantly lower, giving you breathing room as you settle into your new home.
Una reduccion 2-1 reduce temporalmente tu tasa de interes hipotecaria. En el Ano 1, tu tasa es 2% por debajo de la tasa del pagare. En el Ano 2, es 1% por debajo. A partir del Ano 3, pagas la tasa completa. El constructor financia la diferencia, dandote pagos mas bajos al inicio.
Down payment assistance through Utah Housing provides up to 6% of the purchase price as a second mortgage. This money goes toward your down payment and closing costs, reducing the cash you need upfront. The second mortgage has its own interest rate and monthly payment, but it makes homeownership accessible sooner.
La asistencia para enganche a traves de Utah Housing proporciona hasta el 6% del precio de compra como segunda hipoteca. Este dinero va hacia tu enganche y costos de cierre, reduciendo el efectivo que necesitas por adelantado.
Builder closing cost contributions mean the builder pays a portion of your closing costs for you. Instead of coming up with thousands of dollars for title fees, appraisal, prepaid taxes, and insurance at closing, the builder covers some of these expenses, directly reducing the cash you need at the closing table.
Las contribuciones del constructor para costos de cierre significan que el constructor paga una parte de tus costos de cierre. En lugar de reunir miles de dolares para tarifas de titulo, avaluo, impuestos prepagados y seguro al cierre, el constructor cubre algunos de estos gastos, reduciendo directamente el efectivo que necesitas en la mesa de cierre.
See the Difference
Ve la Diferencia
See how Candlelight Homes incentives can lower your monthly payment compared to a standard loan.
Ve como los incentivos de Candlelight Homes pueden reducir tu pago mensual comparado con un prestamo estandar.
* Taxes estimated at $200/mo, insurance at $100/mo. PMI/MIP rates as noted. For illustration only.
* Impuestos estimados en $200/mes, seguro en $100/mes. Tasas PMI/MIP segun se indica. Solo para ilustracion.
Let Felix Vivanco help you take advantage of these builder incentives. Get pre-approved today and start your journey to a brand-new home.
Deja que Felix Vivanco te ayude a aprovechar estos incentivos del constructor. Obten tu pre-aprobacion hoy y comienza tu camino hacia una casa nueva.