Your home should fit your life, not someone else’s. With KB, you can personalize from floor plan and exterior style to where you live in the community — and choose the finishes and features you love to design the home of your dreams.
We also offer transparent, straightforward pricing from the start so there’s no surprises.
Below Market Interest Rates
KB Home has a variety of below market interest rate programs, so you can have the confidence to buy now.*
RATE AS LOW AS
4.75%
(5.386% APR)†
5/1 Adjustable Rate Mortgage (ARM) FHA
RATE AS LOW AS
5.75%
(6.410% APR)‡
30-Year Fixed FHA
RATE AS LOW AS
5.99%
(6.002% APR)§
30-Year Fixed Conventional
Speak with a KBHS Home Loans mortgage officer now and learn more at:
KBHS Home LoansKBHS Home Loans, LLC NMLS 1542802. For licensing information, go to www.nmlsconsumeraccess.org. Applicant is subject to credit and underwriting approval. Equal Housing Lender. Advertised rates and APR effective as of July 29, 2026 and are subject to change without notice. See below for details and limitations.*
©2026 KB Home (KBH). Plans, pricing, financing, terms, availability and specifications subject to change/prior sale without notice and may vary by neighborhood, lot location and home series. Buyer responsible for all taxes, insurance and other fees. Photos may display decorator items/furnishings not available for purchase and may not represent lowest-priced homes. KB Home reserves the right to extend, modify or discontinue any offers at any time without prior notice. Restrictions and limitations may apply. See sales representative for details. CORP
*Advertised interest rates are valid as of 7/29/26 and subject to change without notice. Advertised APRs factor in a $5,000 closing cost credit and additional seller contributions from KB Home. The total amount of seller contribution a buyer may receive is based on buyer’s loan program and amount, credit profile, and interest rate availability. KB Home’s total contribution cannot exceed lender guidelines. The buyer is responsible for any buydown amount exceeding the seller’s contribution and all other loan costs. Offer is subject to underwriting guidelines, which may change without notice, and limits third-party contributions. It applies only to owner-occupied homes and may be discontinued at any time. Rate buydown contribution is valid only for buyers who: (a) sign a purchase agreement by 8/31/26, (b) finance with KBHS Home Loans, LLC (“KBHS”) and qualify for an eligible loan, (c) enter into an interest rate lock agreement with KBHS within 30 days of the purchase agreement, (d) confirm in writing that the home will be owner-occupied, and (e) close escrow per contract terms with KBHS as the lender. KB Home reserves the right to discontinue this promotion at any time. Buyer may use another lender but will be ineligible for this offer. Certain communities may be excluded from this program.
†Example based on a FHA 5/1 ARM loan for $455,399 with 3.5% down and a monthly principal and interest (P&I) payment subject to increase after initial 5-year period. Monthly payments 1–60: $2,376 with a rate of 4.750%, 5.386% APR. Monthly payments 61–360: $2,646 with a rate of 5.710%, 6.343% APR. First rate adjustment cap: 1%; subsequent 12-month caps: 1%; lifetime adjustment cap: 5%. Interest rate and payments after initial period are based on a margin of 2.00% and a current CMT Rate of 3.71%.
‡Example based on a 30-year fixed-rate FHA loan for $455,399 with 3.5% down and a monthly principal and interest (P&I) payment of $2,658.
§Example based on a 30-year fixed-rate conventional loan for $371,040 with 20% down and a monthly principal and interest (P&I) payment of $2,165.
Interest rates and APRs may vary based on credit score, closing costs, and other factors. Taxes, insurance, HOA fees, and other costs are not included and will increase the actual monthly payment. Not all buyers will qualify. Scenarios assume a first-lien position, 30-day rate lock on a primary residence, and are subject to underwriting guidelines and applicant credit profile. Sample payment does not include taxes, insurance or assessments. Actual interest rate, APR and payment may vary based on loan terms, credit history, property type and other factors. Contact KBHS Home Loans, LLC for more details and current rates. KBHS is not affiliated with any government agency. For more information about Adjustable Rate Mortgages, visit https://files.consumerfinance.gov/f/201401_cfpb_booklet_charm.pdf.
KBHS Home Loans, LLC NMLS 1542802 (www.nmlsconsumeraccess.org). Headquarters: 300 East Royal Lane, Suite 250, Irving, TX 75039. 855-378-6625. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply. Equal Housing Lender. KB Home and KBHS Home Loans, LLC share common ownership and because of this relationship may receive a financial or other benefit. You are not required to use both KB Home and KBHS Home Loans, LLC as a condition of settlement on your loan or for purchase or sale of any real estate. AZ: KBHS – 4949 Pioneer Ln., Lakeside, AZ 85929 – Mortgage Banker License #0939988; CA: Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act #41DBO-67718. California Financing Law License #60DBO-67717; CO: Regulated by the Colorado Division of Real Estate; WA: Washington Consumer Loan Company License #CL-1542802.
