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Make your move while savings last!

 

%

Lower Interest Rate

with an Adjustable Rate Mortgage (ARM)

Interest Rate as Low as

3.375% (4.227% APR)

for the first 5 years
FHA*
YEARS 1–5
3.375%
(4.227% APR)
Adjustable-Rate Mortgage for years 6–30, see disclaimer
VA**
YEARS 1–5
3.375%
(3.663% APR)
Adjustable-Rate Mortgage for years 6–30, see disclaimer
+
up to
$6,000
towards closing costs***
Available when financing through affiliate lender, Inspire Home Loans®
  • Fixed interest rate for the first 5 years
  • Rate adjusts annually after the initial period
  • Available with approved FHA or VA financing

What is a 5/1 ARM Loan?

A 5/1 Adjustable Rate Mortgage (ARM) offers a lower, fixed interest rate for the first five years, then adjusts annually after that.

Locked-In Rate
Fixed interest rate for the first 5 years
No changes during the initial period
Lower Monthly Payments
Lower starting rate than many fixed loans
Helps keep payments more affordable early on
Adjustable Later
After year 5, the rate may adjust once per year
Adjustments are limited by annual and lifetime caps

How it Works

  • Years 1–5: Your interest rate is locked in
  • After Year 5: Your rate may adjust once per year, subject to limits

Why some buyers choose it

  • Lower starting rate
  • Lower initial monthly payment
  • Great if you plan to move or refinance within 5 years
After the fixed period, interest rates and monthly payments may increase based on market conditions and loan limits. See full offer terms below.

 

Eligible Homes

Lakes at Ranch El Dorado | Maricopa, AZ

Address Bed | Bath | SqFt Price
22050 N Lynn Street 3 | 2 | 1,789 $369,990
40025 W Sparks Lane 3 | 2 | 1,971 $374,990
22070 N Lynn Street 4 | 3 | 2,079 $399,990

Montaña Vista | Buckeye, AZ

24246 W Sheraton Lane 3 | 2 | 1,778 $399,990
24214 W Sheraton Lane 4 | 3 | 2,713 + Loft $424,990
24234 W Sheraton Lane 4 | 3 | 2,713 $449,990

North Copper Canyon | Surprise, AZ

18171 W Calle Lejos 3 | 2 | 1,585 $399,990
18177 W Calle Lejos 4 | 2 | 1,896 $399,990
17994 W Creedance Boulevard 4 | 2 | 1,971 $424,990
17948 W Camino De Oro 4 | 3 | 2,079 $449,990
17233 W Patrick Lane 4 | 3 | 1,957 $424,990
17359 W Villa Chula Lane 4 | 3 | 1,894 $399,990
17352 W Villa Chula Lane 3 | 3 | 1,894 + Loft $399,990

Rancho Vista | Surprise, AZ

22908 W Monona Lane 3 | 2 | 1,778 + Study $374,990
22939 W Monona Lane 4 | 3 | 2377 + Loft $449,990
23059 W Potter Drive 4 | 3 | 2,079 $399,990
23071  W Potter Drive 4 | 3 | 2,079 $424,990
23037  W Potter Drive 3 | 2 | 2,216 + Study $449,990
23072  W Potter Drive 3 | 2 | 2,216 + Study $449,200

Skyline Village | Phoenix, AZ

6088 E Crockett Way 3 | 2 | 1866 + Study $399,990
6102 E Crockett Way 4 | 3 | 2377 + Loft $449,990
6060 E Crockett Way 4 | 3 | 2,431 + Loft $474,990
33723 N Blackwell Drive 3 | 2 | 1,325 $349,990
33707 N Blackwell Drive 4 | 2.5 | 2,244 + Loft $399,990
33759  N Blackwell Drive 4 | 2.5 | 2,244 + Loft $414,990

Teravalis | Buckeye, AZ

30142 W Windrose Dr 5 | 3 | 2,521 + Loft $455,480
30491 W Whitethorn Acacia 5 | 3 | 2,521 + Loft $374,990

12463 N 305Th

3 | 2 | 1445 $349,990

Our online sales consultant, Heather, is ready to help you find your perfect fit!

OSC Direct- 480.791.1573
OSC Text 480.771.9243
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Disclaimer

Available only on the purchase of a Century Communities home in the Phoenix area for contracts signed on or before 4/30/2026 and close on or before 5/29/2026. Availability of rate specials are limited and subject to change at any time without notice. This offer may change upon exhaustion of funds. Rate special is based on a Seller contribution towards discount points and is available through our affiliated lender, Inspire Home Loans, and is subject to limits. Any incentive to use Inspire Home Loans may not exceed 3% of the sales price. The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which buyer qualifies. Homebuyer should ask his or her lender about the impact of such limits. Prices, plans, and terms are effective on the date of publication and subject to change without notice. Square footage/dimensions shown is only an estimate and actual square footage/dimensions will differ.  Buyer should rely on his or her own evaluation of usable area. This is not an offering of property to residents in any jurisdiction that may have restrictions on interstate offerings of real estate, unless the property has been so registered, qualified or exemptions are available. It is the intent of Century to sell its residential homes pursuant to an exemption from the registration requirements the Interstate Land Sales Full Disclosure Act (15 U.S.C. 1701, et seq.). *FHA Financing example is based on a sales price of $400,000 with a 3.5% down payment and a minimum credit score of 620. Mortgage is an FHA 5/1 ARM 30-year loan in the amount of $392,755 (including financed up front mortgage insurance premium) with an interest rate of 3.375% (4.227% APR) and monthly payments of $2,211 for the first 60 months of the loan.  For months 61-360, interest rate will adjust annually based on current index, margin and rate and payment caps.  Monthly principal and interest payments may increase at each annual adjustment.  Rate adjustments may not exceed 1.00% annually to a maximum of 5.00% above the Note rate or 8.375%. Monthly payment may rise to a maximum of $3,206. **VA Financing example is based on a sales price of $400,000 with a 0% down payment and a minimum credit score of 620. Mortgage is an FHA 5/1 ARM 30-year loan in the amount of $408,600 (including financed up front mortgage insurance premium) with an interest rate of 3.375% (3.663% APR) and monthly payments of $2,106 for the first 60 months of the loan. For months 61-360, interest rate will adjust annually based on current index, margin and rate and payment caps. Monthly principal and interest payments may increase at each annual adjustment. Rate adjustments may not exceed 1.00% annually to a maximum of 5.00% above the Note rate or 8.375%. Monthly payment may rise to a maximum of $3,223. VA loans are available to eligible veterans and certain other service members. To check eligibility requirements see: www. va.gov/housing-assistance/home-loans/ eligibility/. Additional loan qualification requirements may apply as established by the Dept. of Veterans Affairs. Monthly principal and interest, taxes, mortgage insurance and hazard insurance are included in the above payments. HOA assessments are additional and are not included in the above payment. Interest rates, payments, terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Interest rates may not be available at time of loan commitment or closing. Loans are subject to credit approval. Restrictions and conditions may apply.  ***Receipt of up to $6,000 towards closing cost is contingent upon buyer closing a loan with our affiliated lender, Inspire Home Loans, and is subject to limits. The offer to pay closing costs does not include payment of prepaid taxes, property or mortgage insurance, or mortgage installments. Pre-Payment of HOA assessments are typically subject to lender limits. In Arizona, owner/agent  is Century Communities of Arizona, LLC, License #331328,  Contractor is Century Communities Construction of Arizona, ROC# 23131357. Loan program is available through Inspire Home Loans® | NMLS # 1564276, www. inspirehomeloans.com, click here for State Licensing Disclosures with additional information found at NMLS Consumer Access: www.nmlsconsumeraccess.org. ©2026 Century Communities, Inc.