Yes. Mattamy Homes has an affiliated mortgage company, Mattamy Home Funding, which serves as our preferred lending partner for homebuyers in the United States. Mattamy Home Funding offers a full suite of mortgage products and is staffed by experienced loan consultants who understand the new construction homebuying process. While you are welcome to use a lender of your choosing, working with Mattamy Home Funding can offer the benefits of streamlined communication and potential access to exclusive incentives. Learn more at mattamyhf.com.

Mattamy Homes periodically offers promotions and incentives, which vary by market, community, and time of year. These may include closing cost contributions, design upgrade allowances, or financing incentives when using Mattamy Home Funding. For the most current offers available in your area, we encourage you to visit mattamyhomes.com or speak directly with a Mattamy New Home Counselor.

You are welcome to use any lender of your choice. However, Mattamy Homes requires financed buyers to complete a pre-application with Mattamy Home Funding (“Affiliated Lender”) prior to entering into a Purchase Agreement. The pre-application is completed through a secure online portal and uses only a “soft” credit inquiry — no impact to your credit report. Buyers who choose to finance with Affiliated Lender may qualify for incentives and credits toward closing costs, potentially saving thousands at closing. Cash buyers do not need to pre-qualify but must provide proof of funds to the Community Sales Manager. Please speak with your Community Sales Manager for details specific to your community.

No. The initial pre-application uses only a “soft” credit inquiry, which does not appear as an inquiry on your credit report. A full tri-merge credit report will be pulled only after you sign a Purchase Agreement and submit a formal loan application.

Affiliated Lender generates a Residential Mortgage Credit Report using all three credit repositories: TransUnion, Experian, and Equifax. The median score is used for qualification. When there are multiple borrowers, the lowest median score among all borrowers is used for qualifying and rate purposes.

Mattamy Home Funding has a dedicated team — ARO (Able. Ready. Own.®) — who will specifically assist you with credit score enhancement and getting ready for homeownership. Please contact your local Loan Consultant team to get started and they will connect you with one of our ARO Consultants.

Mattamy Home Funding offers a wide range of loan products including Conventional, FHA, VA, USDA, Jumbo Fixed Rate, and Adjustable-Rate Mortgages (ARM). A Loan Consultant can help you determine the best product for your specific situation.

Yes. Affiliated Lender offers a variety of loan products including Adjustable-Rate Mortgages (ARM) and interest rate buy-down options. We recommend speaking directly with a Loan Consultant to understand all available programs.

Yes, FHA loans are available. Interest rates are specific to each buyer’s overall loan profile. FHA loans typically carry a slightly lower rate than conventional, but the rate you receive will depend on your credit score, down payment, loan size, and other factors.

Yes. VA loans are available for eligible active-duty service members, veterans, and qualifying surviving spouses. VA financing allows for $0 down payment; however, all buyers are required to provide an earnest money deposit as part of the Purchase Agreement. See your Community Sales Manager for specific requirements.

Rates are not published, as they vary by loan product, credit score, down payment, loan size, and purchase state. A licensed Loan Consultant in your market can provide real-time rate quotes specific to your scenario.

Mattamy Home Funding offers a range of rate-lock terms to accommodate your construction timeline. Contact a Loan Consultant to discuss what lock periods are available and which best aligns with your estimated closing date.

Your closing date will be determined by Mattamy Homes as construction nears completion. Affiliated Lender will work with you to align your rate-lock term with your estimated closing date so your financing is ready when your home is.

Interest rates vary depending on which loan program and term you apply for. Affiliated Lender offers a variety of loan programs with competitive interest rates, and a Loan Consultant would be happy to discuss your options and provide a rate quote specific to your scenario.

Settlement charges vary by market. Your Loan Estimate will detail all fees and costs, including lender fees, title and settlement charges, government transfer taxes, prepaid interest, escrow account setup, and any applicable HOA or community costs due at closing. A Loan Consultant can walk through these in detail.

Yes. Equity from your existing home can be applied toward your purchase. A Loan Consultant can help you understand how to properly structure a potential refinance and apply those funds to the transaction.

Funds secured by real property, such as a home equity loan, may be used for the down payment. Note that the monthly payment on that loan will be included in your monthly obligations for qualifying purposes. A Loan Consultant can walk through how this affects your overall qualification.

Down payment funds must come from documented, non-borrowed sources. Credit cards are unsecured and are not an acceptable source. Gifts from a relative are acceptable for most loan programs with proper documentation, subject to program guidelines.

DTI guidelines vary by loan program and are driven by automated underwriting through the agencies. A common benchmark is 36%, though ratios up to 50% may be acceptable depending on the overall loan profile. FHA and VA programs typically offer greater flexibility. Speak with a Loan Consultant to understand what applies to your scenario.

If your spouse or co-borrower is on the loan, both parties’ debts and income are combined for qualification. If your spouse is on the Purchase Agreement but not the loan, their debts are generally not counted — though exceptions apply in certain community property states and loan programs. A Loan Consultant can clarify based on your market and situation.

There are many factors that come into play with a decision like this. We advise you to work with one of our Affiliated Lender Loan Consultants and our ARO (Able. Ready. Own.®) department, as well as a third-party financial advisor, to review your goals and overall financial situation.

Affiliated Lender will generally include co-signed student loan payments in your qualifying obligations. If that creates a qualification challenge, there may be options to exclude those payments if you can document that the primary borrower has been making their own payments for at least 12 consecutive months. Speak with a Loan Consultant for details.

Earnest money requirements vary by community and market. Your Community Sales Manager can provide the specific deposit amount for the community you are interested in.

Earnest money refund terms are outlined in your Purchase Agreement. Your Community Sales Manager will review these terms with you at the time of contract.