Financing, plainly told
5.25%
30-year fixed · 5.49% APR* — on select quick move-in homes
Through our preferred lenders · closing by September 30, 2026 · *terms and eligibility below
Preferred lenders
Lenders who know our build calendar
We're a builder, not a bank — so we partner with three Chesapeake lenders who write construction-savvy loans every week. They know our schedule, our draws, and our closings, and their build-span rate locks cover the full ten months. Use them or bring your own; the coffee's the same either way.
Conventional
10–20% down · fixed & ARM · build-span rate locks
FHA & VA
Low or zero down · VA specialists — Annapolis is a Navy town
Jumbo
Above conforming limits · common on waterfront homesites
Payment estimator
Principal & interest at 6.25% APR. Taxes, insurance, HOA not included.
Pre-approval in four moves
01
Apply online
15 minutes, no fee, soft credit pull.
02
Share documents
Pay stubs, W-2s, statements — one secure upload.
03
Get your number
A written pre-approval within 48 hours.
04
Lock your rate
Build-span locks up to 360 days on to-be-built homes.