Financing
Ownership, made possible.
The Sager rate, explained plainly.
The market rate, the Sager rate, and your first year
In three numbers
Sager pays to bring the interest rate on your loan down, through a builder-paid buy-down arranged with our lending partner.
An illustration
On a real home.The Decatur.
- Price
- $799,690 · Lot 12, Evelyn Heights
- Down
- 20%, $159,938
- Loan
- $639,752 · 30-year term, 360 payments, fixed 7 years
- Shown
- Principal and interest only
Monthly payment, principal and interest †
| At today’s market rate7.24%7.682% APR** | $4,360/ mo |
|---|---|
| In year one3.99%6.13% APR* | $3,051/ mo |
| In year two4.99%6.13% APR* | $3,430/ mo |
| Years three to seven5.99%6.13% APR* | $3,832/ mo |
In year one, that is about $15,700 less than at today’s market rate.
† Illustrative. Taxes, insurance, HOA dues and mortgage insurance are not included; see the full disclosure below.
A second illustration
A Parkside Estates home.
Homesites now selling in Tacoma, with the same rate program.
- Price
- $550,000, illustrative
- Down
- 5%, $27,500
- Loan
- $522,500
- Term
- 30-year term, 360 payments, fixed 7 years
Monthly payment, principal and interest †
| At today’s market rate7.24%7.682% APR** | $3,561/ mo |
|---|---|
| In year one3.99%6.13% APR* | $2,491/ mo |
| In year two4.99%6.13% APR* | $2,802/ mo |
| Years three to seven5.99%6.13% APR* | $3,129/ mo |
In year one, that is about $12,800 less than at today’s market rate.
† Illustrative. With 5% down, mortgage insurance is typically required; it is not included, nor are taxes, insurance or HOA dues. See the full disclosure below.
How it works
Three steps, in order.
- 1
Choose your home.
Three homes are available now in Evelyn Heights, with homesites now selling at Parkside Estates. See the homes
- 2
Apply with our lending partner.
They confirm your rate, terms and eligibility. Start with Future First Mortgage
- 3
Lock the Sager rate at contract.
per lender terms
Your lending partner
Future First Mortgage, powered by Cornerstone First Mortgage LLC
NMLS #152377 | Company NMLS #173855
Sager’s preferred lending partner.
Disclosure
*The Sager rate is an illustrative example of a builder-paid interest-rate buy-down. Rates, annual percentage rates (APR), eligibility and program terms will be provided by Future First Mortgage, powered by Cornerstone First Mortgage LLC (NMLS #152377 | Company NMLS #173855), and are subject to credit approval, loan type, property eligibility and market conditions. The rate is temporarily bought down to 3.99% in year one and 4.99% in year two, then is 5.99% from year three through year 7. After year 7 the rate is adjustable under the loan’s terms, and the rate and payments may rise; the illustrations hold 5.99% for comparison only. The first example assumes a purchase price of $799,690, a 20% down payment of $159,938, a loan of $639,752 and a 30-yearloan repaid in 360 monthly payments, fixed for 7 years, at an interest rate of 5.99% (6.13% APR), with a first-year rate of 3.99% (6.13% APR) and a second-year rate of 4.99%. The second example assumes a purchase price of $550,000, a 5% down payment of $27,500, a loan of $522,500 and a 30-year loan repaid in 360 monthly payments, fixed for 7 years, at an interest rate of 5.99% (6.13% APR), with a first-year rate of 3.99% (6.13% APR) and a second-year rate of 4.99%; a down payment of less than 20% typically requires mortgage insurance, which is not included. Parkside Estates prices, plans and availability are subject to change. Payments shown are principal and interest only and do not include taxes, insurance, HOA dues or mortgage insurance, so actual payments will be higher. APR: 6.13%, as stated by Future First Mortgage, powered by Cornerstone First Mortgage LLC for this program. Your APR will depend on your loan amount, fees and closing date.
**Market rate: Freddie Mac Primary Mortgage Market Survey, 30-year fixed-rate mortgage average, week of October 29, 2026. Market APR 7.682%, as provided by Future First Mortgage, powered by Cornerstone First Mortgage LLC. Not a commitment to lend. Equal Housing Opportunity. Equal Housing Lender.