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What is a 2-1 Rate Buydown? Buyers receive a 30-year fixed-rate loan with an interest rate that is discounted the first two years. The original fixed-rate does not go into effect until year three. The benefit is that buyers can ease their way into a new home for the first two years. PLUS, Kolter Homes finance affiliate CTC Mortgage offers a Free Re-Fi program** to refinance as rates change in the future. Click/tap below to see homes that may qualify and contact a Kolter New Home Guide for details.

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Cresswind Palm Beach at Westlake Westlake, FL Click here to view community
Cove Royale Stuart, FL Click here to view community
PGA Village Verano Port St. Lucie, FL Click here to view community
Mosaic Port St. Lucie, FL Click here to view community
Rivella Port St. Lucie, FL Click here to view community


*The Fine Print.

©2025. Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions. Promotion available on select move in ready homes that close by 12/15/2025. Kolter Homes reserves the right to change or withdraw any offer at any time. Advertised rates are subject to change and may expire without notice. Minimum 20% down for loan amounts between $300,000 and $806,500. Primary residences only. Excludes FHA/VA loans. For Qualified buyers only, other programs are available. Loan scenario assumes a $532,000 purchase price and $425,600 loan amount on a conventional 30 year fixed 2/1 buydown with 740 credit score.  Rate of 6.875% (7.089% APR) is fixed for the entire 30 year term, but initial payments are reduced based on the buydown benefit. Buydown Benefit for year 1 is 2%, year 2 is 1%, 3-30 are no longer discounted. First year interest rate is 4.875%. Second year interest rate is 5.875%. Starting in the third year, interest rate is fixed at 6.875% (7.089% APR). This is not an offer to lend. Rates effective 6/16/2025. Offer valid for financing with CTC Mortgage Company LLC only. NMLS #371182, 1641 Worthington Rd. Suite 111, West Palm Beach, FL 33409. Equal opportunity housing lender.

** CTC Mortgage will refinance the same property any time after six on-time payments and includes the following discounts: waived credit report and lender fees, and up to $600 in credits to cover the cost of an appraisal. Offer valid on select move-in ready homes that contract and close by December 15, 2025. See a Kolter New Home Guide for complete program details and requirements.