If you’ve been dreaming of homeownership with manageable monthly payments, now is the perfect time to act! For a limited time, our team at McCall Homes, in partnership with OneTrust Home Loans, is offering qualified buyers an incredible opportunity to lock in a 3.99% (4.743% APR) fixed interest rate on FHA and VA loans or a 4.875% interest rate on conventional loans when purchasing their new home with us. Simply put, this offer could save you hundreds each month and thousands of dollars over the life of your loan. 

Why now is the right time to buy

With today’s rising interest rates, this offer provides a rare chance to achieve the dream of homeownership at a significant monthly savings. Securing a rate of 3.99% could mean saving up to $608 per month compared to the national average rate of 6.17%—which can add up to an impressive $218,880 over the course of a 30-year loan. With this exclusive rate, buyers have access to these advantageous financing options:

• FHA and VA Loans: Qualified buyers can secure a low 3.99% (4.743% APR) interest rate on any of our Pre-Designed or Personalized homes, designed to make homeownership more accessible.
• Conventional Loans: Qualified buyers with a conventional loan have access to a 4.875% interest rate.
• Investment Properties: For buyers interested in investment properties, this offer includes a special 5.125% (5.175% APR) on mortgages for properties under contract by October 31st, 2024. 

At McCall Homes, our team is dedicated to helping all of our potential buyers find the home that perfectly matches their lifestyle, and when you secure this special financing offer, you’ll quickly realize how much more affordable homeownership can be. This exclusive, limited-time rate is available only to qualified buyers who finance through OneTrust Home Loans, giving you an excellent opportunity to maximize your savings on your home investment. With rates and terms tied to current market conditions*, this special financing rate is available only for homes under contract before October 31. Don’t miss the chance to enjoy significant monthly savings and the long-term financial advantages that come with reduced interest rates. 

Get started today and build your future with McCall Homes

With McCall Homes, you’re not just purchasing a home—you’re investing in a future filled with comfort, community and lasting value. This financing offer lets you achieve homeownership with manageable payments, providing you with a solid foundation for years to come. Don’t wait—give us a call at (406) 651-5354 or fill out our online form today for more information. 

*Regulated by Montana Division of Banking & Financial Institutions, License #2472100. CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. *The advertised loan is a FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 3.99% for 360 months. The disclosed APR is based on the payment of 1 discount points. For a $318,450 loan, there is a 4.743% APR with a monthly principal, interest, taxes, homeowners insurance, association dues, and mortgage insurance (PITIAMI) payment of $2,126.36 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 96.5% loan-to-value (LTV), a minimum FICO score of 700 on a primary residence. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown include estimated taxes ($275 per month), homeowners insurance ($121.51 per month), association dues ($40 per month), and mortgage insurance ($144.79 per month) actual payment obligations may be greater. This is an FHA program. Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing. Not all applicants will qualify. Rates and terms are subject to change without notice. Other terms are available. The home loan application must be dated on or before May 1, 2025, and must fund with OneTrust Home Loans to receive the promotional rate. This offer cannot be combined with other promotions. Other restrictions may apply; please ask your Mortgage Loan Originator for more details. The promo is subject to change without notice.