*All payments are estimates and assume a $500,000 price and value with a $100,000 down payment and a $400,000 mortgage. Based on an Approximate Annual Percentage Rate (APR) of 6.441%, estimated payments during the projected 12-month construction phase are interest-only and calculated on the outstanding principal balance as funds are advanced. Using an estimated interest rate of 6.375%, monthly interest-only payments during construction are projected to be approximately $2,125.00, depending on the timing and amount of disbursements. After the construction phase, the loan is expected to convert to principal and interest payments of approximately $2,495.48 for the remaining 360-month amortization period. Payments do not include amounts for taxes or insurance premiums, and the actual payment obligation may be higher. The total loan term is expected to be 372 months (12-month construction phase followed by a 360-month amortized loan). Other rates and programs may be available. Rate accurate as of 01/06/2026. All rates subject to change without notice.