Utah's largest home builder. Exclusive financing incentives available through Felix Vivanco at First Colony Mortgage.
El constructor de casas mas grande de Utah. Incentivos exclusivos de financiamiento disponibles a traves de Felix Vivanco en First Colony Mortgage.
About the Builder
Sobre el Constructor
EDGEhomes is Utah's largest home builder, delivering quality new-construction homes across communities along the Wasatch Front. From Lehi and Eagle Mountain to Saratoga Springs, Herriman, and beyond, EDGEhomes builds thoughtfully designed neighborhoods with modern floor plans, energy-efficient features, and finishes that fit today's lifestyle.
EDGEhomes es el constructor de casas mas grande de Utah, entregando casas nuevas de calidad en comunidades a lo largo del Wasatch Front. Desde Lehi y Eagle Mountain hasta Saratoga Springs, Herriman y mas alla, EDGEhomes construye vecindarios disenados con planos modernos, caracteristicas eficientes en energia y acabados que se adaptan al estilo de vida actual.
As the preferred lender for EDGEhomes, First Colony Mortgage offers exclusive incentives that can save you thousands at closing and lower your monthly payment in the critical first years of homeownership.
Como el prestamista preferido de EDGEhomes, First Colony Mortgage ofrece incentivos exclusivos que pueden ahorrarte miles de dolares al cierre y reducir tu pago mensual en los primeros anos criticos de ser propietario.
Exclusive Programs
Programas Exclusivos
These incentives are available when you finance your EDGEhomes purchase through Felix Vivanco at First Colony Mortgage.
Estos incentivos estan disponibles cuando financias tu compra de EDGEhomes a traves de Felix Vivanco en First Colony Mortgage.
EDGEhomes contributes 3% of the purchase price toward your closing costs when you use First Colony Mortgage. On a $450,000 home, that is $13,500 back in your pocket.
EDGEhomes contribuye el 3% del precio de compra hacia tus costos de cierre cuando usas First Colony Mortgage. En una casa de $450,000, eso es $13,500 de vuelta a tu bolsillo.
Your rate starts at 1.99% in Year 1, moves to 2.99% in Year 2, then settles at the full 3.99% rate on a 7/6 ARM (APR 5.675%). Dramatically lower payments when you need them most.
Tu tasa comienza en 1.99% en el Ano 1, sube a 2.99% en el Ano 2, y luego se establece en la tasa completa de 3.99% en un ARM 7/6 (APR 5.675%). Pagos dramaticamente mas bajos cuando mas los necesitas.
Receive $20,000 at 0% interest with no monthly payment. Use it for down payment, closing costs, or a rate buydown. Designed to help first-time buyers get into a new home with less cash out of pocket.
Recibe $20,000 al 0% de interes sin pago mensual. Usalo para enganche, costos de cierre o reduccion de tasa. Disenado para ayudar a compradores primerizos a entrar en una casa nueva con menos efectivo de su bolsillo.
Lock in your interest rate for an extended period while your EDGEhome is being built. Protect yourself from rate increases during the construction timeline.
Bloquea tu tasa de interes por un periodo extendido mientras tu casa EDGEhome esta en construccion. Protegete de aumentos en las tasas durante el periodo de construccion.
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.
A seller credit means the builder (EDGEhomes) 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 3% of your purchase price. This directly reduces the cash you need to bring to the closing table.
Un credito del vendedor significa que el constructor (EDGEhomes) paga una parte de tus costos de cierre. En lugar de tener que reunir miles de dolares para tarifas de titulo, avaluo, impuestos prepagados y seguro al cierre, el constructor cubre el 3% del precio de compra. Esto reduce directamente el efectivo que necesitas llevar a la mesa de cierre.
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, asi que tus pagos iniciales son significativamente mas bajos, dandote espacio para establecerte en tu nueva casa.
ARM stands for Adjustable Rate Mortgage. A 7/6 ARM means your rate is fixed for the first 7 years, then adjusts every 6 months after that. The initial rate on an ARM is typically lower than a 30-year fixed. Since many homeowners sell or refinance within 7 years, you benefit from the lower rate without ever reaching the adjustment period.
ARM significa Hipoteca de Tasa Ajustable. Un ARM 7/6 significa que tu tasa es fija durante los primeros 7 anos, luego se ajusta cada 6 meses despues. La tasa inicial de un ARM es tipicamente mas baja que una fija a 30 anos. Como muchos propietarios venden o refinancian dentro de 7 anos, te beneficias de la tasa mas baja sin llegar al periodo de ajuste.
The $20,000 assistance is structured as a 0% interest, no-monthly-payment loan. It can be used for your down payment, closing costs, or to buy down your rate further. This dramatically reduces the amount of cash you need upfront and can be the difference between renting and owning.
La asistencia de $20,000 esta estructurada como un prestamo al 0% de interes y sin pago mensual. Se puede usar para tu enganche, costos de cierre o para reducir aun mas tu tasa. Esto reduce dramaticamente la cantidad de efectivo que necesitas por adelantado y puede ser la diferencia entre alquilar y ser propietario.
See the Difference
Ve la Diferencia
See how EDGEhomes incentives can dramatically lower your monthly payment compared to a standard loan.
Ve como los incentivos de EDGEhomes pueden reducir dramaticamente tu pago mensual comparado con un prestamo estandar.
* Taxes estimated at $200/mo, insurance at $100/mo, PMI at 0.55% annually where applicable. For illustration only.
* Impuestos estimados en $200/mes, seguro en $100/mes, PMI al 0.55% anual donde aplique. Solo para ilustracion.
Let Felix Vivanco help you take advantage of these exclusive incentives. Get pre-approved today and start your journey to a brand-new home.
Deja que Felix Vivanco te ayude a aprovechar estos incentivos exclusivos. Obtén tu pre-aprobacion hoy y comienza tu camino hacia una casa nueva.