Built Around What Matters

 4.99%* for the first seven years can make the right home more attainable.

A 4.99% interest rate on select quick move-in homes could reduce your monthly payment by up to $450 per month compared to today’s mortgage rates.

The 4.99% rate stays in place for the first seven years. After that, the rate may adjust every six months based on market conditions and the terms of the loan.

This can help more Visionary homes fit within your monthly budget. But the right financing is only one part of finding the right home.

Start with what matters to you. The location, floorplan, space, design and quality should fit your life and where you are headed next. From there, our team can help you explore the savings and financing opportunities available on that home.

A Lower Rate Is Nice. A Lower Rate on the Right Home Is Better.

See What 4.99% Could Mean for You

Tell us where you want to live and what matters most in your next home. Our team can help you find eligible homes and understand how the available financing may affect your monthly payment.

Find the Right Home and Explore Available Savings

Explore eligible quick move-in homes throughout Utah. Availability varies by community and home.

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Northern Utah

More room to live, beautiful surroundings, and welcoming communities with the everyday essentials close to home.

  • Logan, Tremonton, Brigham City, Nibley, Smithfield, Providence, Hyde Park
  • Incentives available on single-family homes and townhomes in these communities:
    • Sugar Creek
    • Meadows at Sky View
    • Village at Fox Meadows
    • North Point
    • Ridgeline Park
    • Rivergate
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Wasatch Front

Thoughtfully designed homes with access to growing communities, employment centers, recreation and everything your family needs nearby.

  • Farr West, Eagle Mountain, Spanish Fork, Mapleton, Salem
  • Incentives available on single-family homes and townhomes in these communities:
    • Legends Crossing
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Southern Utah

Beautiful homes, year-round recreation and inviting communities built around the Southern Utah lifestyle.

  • St. George, Hurricane, Washington
  • Incentives available on single-family homes and townhomes in these communities:
    • Desert Color
    • The Preserve at Alaia
    • Legacy at Sand Hollow

More Home May Be Within Reach

A 4.99%* interest rate could lower your monthly payment by up to $450 per month during the first seven years. That may give you more buying power than you expected.

Eligible homes and financing opportunities can change. Connect with our team to see which homes qualify and what the available options could mean for your monthly payment.

*Special savings and financing opportunities are available on select quick move-in homes. Buyer must finance through First Colony Mortgage Corporation (NMLS ID 3112) to qualify. The advertised 4.99% rate is the initial interest rate on a 30-year conventional 7/6 adjustable-rate mortgage (ARM) and reflects an annual percentage rate (APR) of 5.987%.
This loan is an Adjustable Rate Mortgage. The interest rate and principal and interest payments are subject to increase after consummation. The interest rate is fixed for the first seven years. Beginning with the 85th month the rate and payment will adjust, and will adjust every six months thereafter, based on the sum of the 30-Day Average SOFR index (at 3.648% as of September 14, 2026) plus a margin of 3.000%. The rate may increase by up to 5% at the first adjustment and up to 1% at each adjustment thereafter, subject to a lifetime maximum interest rate of 9.99% and a minimum of 3.00%.
Based on a $430,000 purchase price and a $344,000 loan amount with 20% down, a 0.5% discount point paid by the buyer, and a 740 credit score, this transaction would have 84 monthly principal and interest payments of $1,844.56 at the initial rate of 4.990%, followed by 276 monthly principal and interest payments of $2,141.88 at the fully indexed rate of 6.648%. Payments shown are principal and interest only and do not include taxes, insurance, or HOA dues, so actual payments will be higher.
Rates and APR are effective September 14, 2026, depend on borrower qualification, and are subject to change without notice due to market conditions. Financing is subject to credit approval and is not a commitment to lend. Offers, availability, eligibility requirements, terms, conditions, and deadlines vary by home and may change or end without notice. Contact a Visionary Homes Sales Professional or a First Colony Mortgage Loan Officer for current availability, complete program details, and financing terms.
First Colony Mortgage Corporation is not affiliated with any third parties that may be referenced in this communication.