Don’t think you can afford to own a home in the Bay Area? Think again. We’ve heard the myths, and we believe that we can prove them wrong.

MYTH: Renting is cheaper than buying.
TRUTH: Bay Area rents are sky high and rising! With after-tax benefits, homeownership can be less expensive.* Plus, a fixed-rate mortgage will help you lock in a monthly payment for up to 30 years.

MYTH: I need a 20% down payment.
TRUTH: The majority of Omni at Vineyard Crossing homebuyers make a down payment of 5% or less. Some first-time buyer programs require no down payment or as little as 3.5% down payment.† Speak to a lender about your options.

MYTH: You need perfect credit to buy a home.
TRUTH: A less-than-perfect credit history or credit challenges don’t have to stand in your way of owning a home. Lenders consider many factors beyond your credit score.

MYTH: Interest rates are high.
TRUTH: Interest rates are still near historic lows. You CAN buy a home that is built just for you, designed to reflect your personal style and still lock in a great interest rate. You CAN afford to own a brand new KB home.

Visit Omni at Vineyard Crossing in Livermore to see for yourself.

It all starts here.

Broker Cooperation Welcome. ©2017 KB Home (KBH). Photo may display decorator items/furnishings not available for purchase, and may not represent lowest-priced homes. See sales counselor for details. Equal Housing Opportunity. KB Home Sales–Northern California Inc. (CA Real Estate License 01293543). SB-105503

This is not a commitment to lend. Program restrictions apply. Stearns Lending, LLC offers many loan products. Stearns Lending, LLC is a California Limited Liability Company headquartered at 4 Hutton Centre Dr., 10th Floor, Santa Ana, CA 92707. (800) 350-LEND (5363) Company NMLS#1854 (www.nmlsconsumeraccess.org). Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act RMLA#4130495. This information is accurate as of February 1, 2017. © 2017 Stearns Lending, LLC All Rights Reserved. Equal Housing Lender. 

*Individual tax and financial circumstances will vary. This is not a representation or guarantee of any tax benefits of homeownership. See your tax advisors for information on the deductibility of mortgage interest, property taxes, fees and costs for tax purposes.

†Mortgage insurance will be required in addition to regular principal and interest payments.
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