Promotional Disclaimers

4.5% ARM

Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, San Diego, CA 92111. *This home financing option is based on a minimum 640 credit score for a 5/1 adjustable rate FHA 30-year mortgage with a sales price of $400,000, loan amount of $392,755, a down payment of $14,000 and seller credit of $0. The initial interest rate is 4.50% (6.168% APR) and is fixed for the first 60 months. During this period, the buyer will make monthly payments of $2,681.03. The rate and monthly payment are variable and subject to change. The loan will adjust after the initial 5-year period (60 months) and can adjust every 1 year afterwards from months 61 – 360. The interest rate can increase up to 8.99% during the life of the loan. The APR may increase after consummation. The monthly payment includes an estimate for homeowner’s insurance, mortgage insurance, and property taxes; however, they may change based on your selection of homeowner’s insurance provider and calculation of property taxes determined by the county. The purchase price, loan amount, and final terms will vary based on the home selected. Interest rates are based on borrower qualifications and loan program guidelines. Rates are subject to credit approval, underwriting, and eligibility requirements, including credit score, loan-to-value ratio (LTV), and property type. This is not a commitment to lend. Estimates as of 07/17/2026. **Lender incentive of 2% loan amount is a credit towards buying down the interest rate. Offer is valid on applications received between 7/17/2026 and 8/15/2026 and must close within 30 days. Guild Mortgage is not affiliated with Rockhaven Homes. For more information on properties or communities, please contact Rockhaven Homes. For financing options, please contact Guild Mortgage ATeam.