Lock In 3.99% Financing on a New LGI Home in Northern Colorado — But Only Through September 30
If you've been sitting on the fence about buying a new home in Johnstown or Severance, this is the moment to get off it.
LGI Homes just released a limited-time financing offer: 3.99% APR on select homes in our Johnstown and Severance communities, available to buyers who can close by September 30, 2026. Rates like this don't stick around, and with a hard close deadline, the window to take advantage of it is short.
Thinking about buying new construction?
Get expert guidance on builders, incentives, and contracts — no pressure.
Why This Matters
A lower rate isn't just a nice-to-have — it can mean hundreds of dollars in savings on your monthly payment and tens of thousands over the life of the loan. For buyers who've been priced out or holding off because of where rates have been, this could be the difference between renting another year and owning a brand-new home in one of Northern Colorado's fastest-growing areas.
Johnstown and Severance offer easy access to Fort Collins, Loveland, and Greeley, with new-construction homes, modern floor plans, and the kind of community growth that makes for a smart long-term investment.
A Realtor's Take: How a Rate Like This Opens the Door
From where I sit as an agent, the biggest thing keeping qualified buyers on the sidelines the past couple years hasn't been home prices — it's monthly payment. A jump from a 7% rate to something closer to 4% can lower a monthly payment enough to move a buyer from "we don't qualify" to "we're approved," or free up room in the budget for a bigger home, a better lot, or upgraded finishes without stretching further than they're comfortable with.
That's the real value of a builder incentive like this: it's not just savings, it's access. Buyers who assumed they were priced out of Johnstown or Severance may find they qualify for more than they expected, or that their target home is suddenly within reach.
What to Look For Before You Accept a Builder Rate Offer
Builder financing incentives are a great tool, but "great rate" and "great deal" aren't always the same thing. Before signing anything, make sure you (or your agent) confirm:
- Is it a permanent or temporary buydown? Some builder offers lower your rate for the life of the loan; others only buy it down for the first year or two before it adjusts upward. Know which one you're getting.
- How is the incentive funded? Sometimes a lower rate is offset by a higher home price, fewer negotiable upgrades, or reduced flexibility on closing costs. Ask what you're giving up in exchange for the rate.
- What lender are you required to use? Many builder rate promotions require financing through the builder's preferred or in-house lender. That's not automatically a bad thing, but it's worth comparing their terms against an independent quote so you know the offer is actually competitive.
- What are the qualification requirements? Rates like 3.99% often assume a strong credit profile, a specific down payment, or a particular loan product. Confirm you actually qualify for the advertised rate before you get attached to the number.
- What's the real closing timeline? A hard deadline like September 30 is great motivation, but only if the home, financing, and paperwork can realistically close in time. Rushed timelines are where mistakes happen.
- Are there other costs baked in? Ask for a full breakdown of closing costs, HOA fees, and any other line items so the "3.99%" number reflects the whole picture, not just the headline rate.
None of this means the offer isn't a great one — it very well may be one of the best financing opportunities buyers will see this year. It just means it's worth a few smart questions before you sign.
Why Working With an Agent Makes the Difference
This is exactly the kind of situation where having a buyer's agent in your corner pays for itself. A good agent will read the fine print on the incentive, compare the builder's lender terms against the market, help you understand what you're actually agreeing to, and make sure the excitement of a low rate doesn't overshadow the bigger picture of whether the home and deal are right for you. Builders work for the builder — your agent works for you.
If you're considering a home in Johnstown or Severance to take advantage of this offer, loop in an agent early. It costs you nothing as the buyer, and it means someone is looking out for your interests every step of the way.
What You Need to Know
- Rate: 3.99% APR*
- Where: Select homes in Johnstown & Severance, CO communities
- Deadline: Must close by September 30, 2026
- Availability: Limited — select homes only, while the offer lasts
Don't Wait to Ask
Offers like this move fast, and inventory on qualifying homes is limited. If you're ready to explore what's available or just want to see if the numbers work for you, now's the time to reach out.
Contact Mark Leavitt: 970.590.9656
Rates and APRs are subject to change without notice and may vary based on credit score, down payment, loan amount, and other qualifying factors. Borrower qualification is required, and loan limits may apply. LGI Homes is not acting on behalf of HUD, FHA, or any government agency. This information is for illustrative purposes only and is not a commitment to lend. All loans are subject to credit and property approval. Program availability, rates, and terms are subject to change without notice.
