Financing Your Dream: Explore PCB’s Tailored Loan Programs


From Possibility to Reality: PCB's Diverse Financing Choices

Navigating the world of home financing can feel daunting, but fear not because, at Pacific Communities Builder (PCB), we’re here to make your homeownership dreams a reality. We believe luxury shouldn’t come with a hefty price tag or endless decisions. That’s why we’ve curated a selection of lending programs and promotions that cater to your unique needs and preferences. From downpayment assistance to exclusive incentives, we’ve got you covered every step of the way.

Exploring Diverse Loan Programs:

One size doesn’t fit all when it comes to home financing. Whether you’re a first-time buyer stepping into the world of homeownership, a renter ready to make the leap, or an empty nester seeking a change, we have loan programs designed just for you, making the path to homeownership more accessible than ever.

Here Are the Ways PCB Can Help:

  • Community Affordable Loan Solutions by Bank of America: This program will provide a down payment to help lower your loan amount and reduce your monthly payment. While homebuyers are welcome to put more money down, it’s not required on a single-family home. Additionally, with this program, you can enjoy the benefit of zero lender closing costs, although other fees may apply. Unlike traditional mortgages, this program does not require mortgage insurance. Additionally, there’s no minimum credit score requirement, although applicants must meet credit history guidelines, and non-traditional credit is allowed. Before applying, applicants must complete the Community Affordable Loan Solution homebuyer certification, including one-on-one counseling.
  • American Dream Program by US Bank: The U.S. Bank American Dream program offers a path to homeownership for low-to-moderate income first-time buyers. This program stands out with its low down payment requirement of just 3% and eliminates the need for private mortgage insurance (PMI). It features a fixed interest rate and a traditional repayment structure, making monthly payments predictable and manageable.
  • Preferred Lender Benefits with Fairway Independent Mortgage: Fairway boasts a seasoned team with over 150 years of combined experience dedicated to serving PCB buyers. With extended lock benefits, you can enjoy rate locks ranging from four to twelve months and a rate float-down feature for added flexibility. Fairway offers a wide range of financing options, including down payment assistance, VA, FHA, Conventional, Jumbo, and niche programs tailored to your needs.
  • Builder Rate Lock Advantage™: PCB offers the Builder Rate Lock Advantage™, allowing you to protect against rising interest rates for up to 12 months during construction. You’ll also have the option to “float down” to a lower interest rate or discount points, giving you flexibility and peace of mind.

Neighborhood Promotions:

But wait, there’s more! Our neighborhood promotions add even more value to your homebuying experience. From exclusive incentives to special offers, each neighborhood has its unique perks waiting for you. Check out the flyers on our website for a sneak peek at what’s in store, and explore each neighborhood to find the perfect fit for you and your family.

Our LIMITED TIME promotions include:

  • Pacific Creekside Encore: When you find your dream home at one of our select move-in ready homesites at Creekside Encore, buyers can receive $30,000 in flex cash or interest rates under 4%.
  • Pacific Montera: During the highly anticipated second phase release at Pacific Montera, buyers can receive an upgraded appliance package.
  • Pacific Wildflower: Wildflower has two move-in ready homesites that can offer our buyers $30,000 in flex cash or interest rates under 4%.
  • Pacific Royal Oaks: During Pacific Royal Oaks Spring Savings Event buyers can receive up to $100,000 in Flex Cash waiting for you or financing options under 3%.

Your dream home is within reach, and PCB is here to help you make it a reality! With our diverse loan programs, generous downpayment assistance, and exciting promotions like the Spring Savings Event, we’re committed to making homeownership accessible and affordable for everyone. Ready to explore PCB’s financing options and take the first step toward your dream home? Click here to learn more and start your journey today. Don’t miss out on the Spring Savings Event and neighborhood promotions—your dream home is waiting for you with PCB. Let’s make it happen together!

Pacific Montera New Home Community



  • Get Up to $17,500 in Down Payment & Closing Cost Assistance: Now your dream of becoming a homeowner can come true with the Community Affordable Loan Solution™ mortgage from Bank of America. This new mortgage can help more people and families get an affordable loan to buy a home of their own in select markets. Valid from March 12, 2024, until July 31, 2024.
  • Realtors & Brokers Get 2.5% to 3% Broker Co-Op + Up to $15,000 Bonus: Pacific Communities makes the new home purchasing process as smooth as possible for you and your clients. Broker Co-Op is 2.5% at all Pacific Communities locations—except for Pacific Royal Oaks, which is 3%—plus the bonus. Valid from March 12, 2024, until June 20, 2024. Learn more about the program here.

Ready to see what modern living with Pacific Communities is all about? Explore our communities and discover the home that perfectly fits your style and needs. We can’t wait to welcome you!

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