*The advertised loan program is a Temporary 2-1 Rate Buydown for a Conventional loan with 30-year fully amortizing term. It provides an interest rate 2% below your locked rate in year 1 at 3.375%, 1% below your locked rate in year 2 at 4.375% and in years 3-30 (the remainder of the loan), the interest rate will be fixed at 5.375%. The interest rate quoted assumes a loan at 80% loan-to-value (LTV), a Conventional loan amount of $350,000 and a minimum FICO score of 740 on a primary residence. On a $350,000 loan, the APR would be 5.429% with a monthly principal and interest payment of $1,547.34 in year 1, a monthly principal and interest payment of $1,747.50 in year 2, and a monthly principal and interest payment of $1,959.90 for years 3-30. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 5/23/2024 and are subject to change without notice. Financing offered on certain inventory homes that contract on or before November 15, 2024 in New Mexico and close on or before December 20, 2024. This offer is available for a limited time only. Branch Address: 7850 Jefferson St NE, Suite 160 Albuquerque NM 87109, Branch NMLS #1163925. Licensed Mortgage Loan Company-Regulated by New Mexico Financial Institutions Division; CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; Corporate phone (888) 488-3807. For more licensing information, visit: https://onetrusthomeloans.com/licensing-information/. Buyer is not required to finance through One Trust Home Loan to purchase a home; however, buyer must use One Trust Home Loans to receive the advertised rate. May not be able to be combined with other available Hakes Brothers offers or discounts. Contact a Hakes Brothers sales representative for more information and a list of available homes. Photos are representational only. Hakes Brothers is an Equal Housing Opportunity builder.