Sign up now for The SmartStart Sale List to receive details on all eligible newly-built J Thomas Homes included in this limited-time event—plus any available closing cost credits and special perks. Don’t wait—secure your spot today and make your move home easier than ever!
Currently available in the following community:
Fill Out The Form for Instant Access:
By signing up for the SmartStart Sale List, you will receive details on all the
newly-built J Thomas Homes that quality for this offer:
*First-year interest rate loan scenario: $449,000 purchase price and $404,100 loan amount on a 30-year fixed FHA loan with a 3-2-1 Temporary Rate Buydown feature. In Year 1, the rate is reduced 3% to 3.250% with a monthly principal and interest payment of $1,759. In Year 2, the rate is reduced 2% to 4.250% with a payment of $1,988. In Year 3, the rate is reduced 1% to 5.250% with a payment of $2,231. Beginning in Year 4 and for the remainder of the loan, the rate is 6.250% with a 7.362% APR and a principal and interest payment of $2,575. This promotion is valid with a signed offer on or before October 31, 2025, and financing must be obtained through a J Thomas Homes Preferred Lender. Rates shown were retrieved on August 28, 2025, and reflect a builder-paid interest rate buydown, based on a qualifying credit score of 720. Buyers must qualify at the fully indexed rate, not the introductory buydown rate.
All loans are subject to credit review and approval. Rates, terms, and promotional offers are subject to change or discontinuation without notice. This is not a commitment to lend. Northpointe Bank and Sun American Mortgage are Equal Housing Lenders.