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 disprove them.

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 besides 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 won’t believe how little your down payment can be.
Own 1,707 sq. ft. for $4,313 a month at Omni at Vineyard Crossing, with PITI, 30-year Fixed FHA, 3.5% down, 4.25%/5.26% APR.*
† *Advertised monthly payment assumes a sales price of $620,000 and includes principal, interest, estimated taxes, home owner’s insurance and mortgage insurance premium only; any other fees such as HOA are not included and will result in a greater actual monthly payment amount.

You CAN afford to own a brand new KB home. See Omni at Vineyard Crossing for yourself. 

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Broker Cooperation Welcome. ©2017 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. Sq. footage is approximate. Photo may display decorator items/furnishings not available for purchase and may not represent lowest-priced homes. KBH reserves the right to extend, modify or discontinue any offers at any time without prior notice. Additional terms, restrictions, limitations and conditions may apply. See sales counselor for details. Equal Housing Opportunity. KB Home Sales–Northern California Inc. (CA Real Estate License 01293543). SB-124882

1 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.

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

†Based on mortgage financing provided by Stearns Lending, LLC. Scenario assumes borrower qualifies for an FHA 30-year fixed rate mortgage loan of $608,770.25 with interest rate and APR of 4.25.%/5.26% for the life of loan and pays 3.5% down payment. Scenario assumes the borrower has good credit, sets up a tax and insurance escrow account, provides full documentation, and pays estimated closing costs of 3.00% of the sales price. Minimum credit scores apply. Not all applicants may qualify. This is not a commitment to lend. Rates are effective as of 3/31/17 and are subject to change without notice. This scenario is subject to underwriting guidelines and is available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. Program, rates, fees, terms and conditions are not available in all states and subject to change. 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 ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act RMLA#4130495.