Limited-Time Offer
Spooky Low rate - 4.99%*
No tricks, just a sweet treat from UnionMain Homes! For a limited time, rates start as low as 4.49% for the first 5 years with a 5/1 adjustable-rate mortgage on select homes in participating communities.* After Year 5, your rate adjusts once per year for the remaining life of the loan. It’s a great time to make your move and enjoy a lower mortgage rate during your first five years of homeownership.
Offer available at these communities
Claim Your Savings
GET Offers NOW
On a 30-year FHA 5/1 adjustable-rate mortgage (ARM) with a sales price of $466,000, a 3.5% down payment, a loan amount of $457,559 which includes upfront mortgage insurance, a 680 FICO score, with a note rate of 4.99% (6.158% APR) there would be 60 monthly principal and interest payments of $2,453.48 for the first five years of the ARM. Payment example does not include homeowner insurance of $135, taxes estimated at $898.54, mortgage insurance of $204.72, or any HOA fees. Starting in year 6 the ARM interest rate may increase every twelve (12) months based on the 1-Year UST CM index with a 1.75% margin, a 1% maximum first adjustment, a 1% maximum increase at subsequent adjustments with a lifetime cap of 5% over the life of the loan. Rates are subject to agency loan level pricing adjustments for FICO score and loan to value. Home financing must be obtained through UMH Mortgage. Union Main Homes locked in, through UMH Mortgage, a fixed interest rate for a pool of funds made available to homebuyers on certain properties for a limited time. Rates are available until pool of funds is depleted, or promotion expires. Interest rate offered applies only to Union Main Homes financed through UMH Mortgage for a borrower’s principal residence. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time with no prior notice. Offer not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Union Main Homes. Locking the promotional interest rate is the borrower’s responsibility with UMH Mortgage. Locking is done at the borrower’s discretion and all rates/fees quoted are valid only at the time presented. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change at any time without notice. All terms and conditions subject to credit approval, market conditions and availability. Applicable for contracts signed by 10/31/2026, and close by 11/30/2026. Example terms available as of 10/6/2026. ©2026 UMH Mortgage, LLC | NMLS# 2744531 | www.UMHMortgage.com | info@UMHMortgage.com | Equal Housing Opportunity.