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A Rate for the First Five Years: Discover Park Haven’s Limited-Time Homebuyer Incentive
November 12, 2026
Everyone’s selling you the first year. Park Haven is selling the first five.
When you're shopping for a new home, a low introductory mortgage rate can catch your attention. But it's just as important to understand what happens after that introductory period ends. At Park Haven in Rancho Cordova, select move-in-ready homes currently feature a 4.99% interest rate (7.283% APR) for the first five years through an adjustable-rate mortgage (ARM).* The rate may change after year five, so understanding the full loan terms matters before making a decision.
Why Look Beyond the First-Year Rate?
Some builder financing promotions offer a lower payment initially, followed by scheduled increases in subsequent years. Park Haven's current offer takes a different approach: the advertised 4.99% rate applies for the first five years on qualifying homes and financing.* Unlike a short-term buydown, this is an adjustable-rate mortgage, and the rate can adjust after the initial five-year period. The sales team can explain how adjustments work, what limits apply, and which loan documents to review.
A Closer Look at the 4.99% Offer
The current incentive features a 4.99% initial interest rate and 7.283% APR for the first five years on select move-in-ready Park Haven homes.* Because APR reflects more than the interest rate alone, buyers should review the lender's full Loan Estimate and ask about closing costs, loan fees, adjustment frequency, rate caps, and possible payments after year five. The offer uses FHA financing, which may allow eligible buyers to make a down payment as low as 3.5%, subject to qualification and program requirements.
More Than a Mortgage Rate: Additional Park Haven Incentives
The financing offer is only part of the opportunity. Depending on the qualifying home, current incentives also include:
• $5,000 toward options already built into the home
• Paid-for solar on select Private Lane homes
• Backyard landscaping included on select homes
• A completed, move-in-ready home in a neighborhood with Exploration Park
Availability and incentive eligibility vary by homesite. Confirm exactly which features and benefits apply to the home you're considering before making an offer.
Find Your Fit at Park Haven in Rancho Cordova
Park Haven offers a variety of home styles and neighborhood settings, including its Private Lane, Classic, and Parkside collections. The community is near seven-acre Exploration Park, giving residents convenient access to outdoor recreation and gathering spaces. With select homes already completed, buyers can focus on choosing a home that fits their needs rather than waiting for construction to finish.
Compare Builder Offers Side by Side Every Saturday
A rate headline doesn't tell the whole story. Every Saturday through December 5, Park Haven invites buyers to bring another builder's offer and compare it with Park Haven's, line by line. Ask about the initial interest rate, APR, down payment, fees, incentives, future payment changes, and any deadlines. A side-by-side comparison can help you evaluate the full picture—not just the first payment.
Don't Miss the December 5 Rate-Lock Deadline
This limited-time offer is available on select move-in-ready homes while eligible inventory lasts, and the rate must be locked by December 5, 2026.* Once those qualifying homes are gone, the offer may no longer be available. Contact the sales office to confirm current availability and review the complete financing disclosures before deciding.
Visit Park Haven
Sales office: 12155 Cobble Brook Drive, Rancho Cordova, CA
Hours: Friday–Tuesday, 10 AM–5 PM
Phone: (916) 333-1919
Schedule a visit, explore available move-in-ready homes, and ask the Park Haven team to review the offer with you.
Frequently Asked Questions
What is Park Haven's current mortgage rate incentive?
Select move-in-ready homes at Park Haven in Rancho Cordova feature a 4.99% initial interest rate (7.283% APR) for the first five years through an adjustable-rate mortgage, subject to eligibility and complete offer terms.*
Will the 4.99% rate stay the same after five years?
Not necessarily. This is an adjustable-rate mortgage, so the rate can change after the first five years. Ask the lender about the adjustment index, margin, caps, and potential future payments.
How much is the down payment with the FHA financing offer?
Eligible buyers may qualify for an FHA down payment as low as 3.5%. Actual eligibility, loan costs, and down payment requirements depend on the lender and borrower qualifications.
What other incentives are available at Park Haven?
Depending on the home, incentives may include $5,000 toward installed options, paid-for solar on select Private Lane homes, and backyard landscaping on select homes.
When does the Park Haven incentive expire?
The advertised rate must be locked by December 5, 2026, and is available only on select eligible move-in-ready homes while inventory lasts.*
What are Park Haven's sales office hours?
The sales office is open Friday through Tuesday from 10 AM to 5 PM at 12155 Cobble Brook Drive in Rancho Cordova. Call (916) 333-1919 to arrange a visit.
Important Financing Disclosure
*4.99% initial interest rate (7.283% APR) on an FHA 5/1 adjustable-rate mortgage through the builder’s preferred lender, available only on Lots 22, 23, 67 and 68 at Park Haven. The rate remains 4.99% for the first 60 months, then may increase or decrease annually for the remaining term, subject to caps of 1% at the first adjustment, 1% per adjustment after that, and 5% over the life of the loan. The APR may increase after consummation. APR based on a sample purchase price of $612,086 and loan amount of $600,999, with discount points paid by builder credit; mortgage insurance required. Rates as of Oct 21, 2026. Rate, APR and terms vary by credit score, loan program and other factors; not all buyers will qualify. Financing through the builder’s preferred lender is required to receive the incentive but not to purchase a home. Rate must be locked by Dec 5, 2026. FHA financing requires a minimum down payment of 3.5% of the purchase price ($21,423 on the sample price); the sample loan is repaid over 30 years in 360 monthly payments, and payments may increase after month 60 when the rate adjusts. FHA eligibility, credit and loan-limit requirements apply. Not an offer or commitment to lend. Pricing, availability and incentives subject to change without notice. Equal Housing Opportunity.
