(719) 598-5192

Promo Terms & Conditions

Rates as Low as 3.875%*

Available on Select Challenger Homes

Valid on new purchase contracts signed on or before October 31st, 2026.

Financing incentives available only when financing is obtained through Pentrust Mortgage Group, LLC.

Important Information

Rates, APRs, loan programs, terms, and conditions are subject to borrower qualification, credit approval, and program guidelines. Not all applicants will qualify. Rates subject to change without notice. Additional restrictions may apply. Contact a Pentrust Mortgage Group Loan Officer for complete details.

Buyer is not required to finance through Pentrust Mortgage Group, LLC as a condition of purchase and may choose any lender; however, promotional financing incentives are available only when financing through Pentrust Mortgage Group, LLC.

Promotion valid for new buyers on new contracts only and may not be combined with other offers. Challenger Homes reserves the right to modify or withdraw this promotion at any time without notice.

Regulatory Disclosure

Pentrust Mortgage Group, LLC
NMLS #1634635
For licensing information visit: www.nmlsconsumeraccess.org

Pentrust Mortgage Group, LLC is not endorsed by or acting on behalf of HUD, FHA, VA, USDA, or any other government agency.

This is not a commitment to lend. All loans subject to credit approval and underwriting guidelines.

PenTrust Mortgage Group, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. This is not an advertisement to extend credit as defined by Regulation Z nor an application for credit as defined by RESPA/Regulation X. All loan programs, terms, rates, fees and conditions are subject to change without notice and may not be available at all communities. No information or material herein is to be construed to be an offer or solicitation for sale or a representation or warranty of any kind. This is not an offering where prohibited by law. PenTrust Mortgage Group, LLC Company NMLS #1634635.

How we estimate your payment

Principal & interest + estimated property taxes + homeowners insurance + applicable HOA/metro charges.

Our advertised estimated lowest payments use a 30-year VA loan example for an eligible buyer with full entitlement and 0% down. The featured payment option is 3-2-1 Buydown. Advertised amounts are year-one estimates; payments increase in years 2, 3 and 4. The note rate is fixed at 6.5%. Home price, estimated taxes, and HOA/metro charges vary by property and community. Open the asterisk beside a payment for that home’s figures and assumptions.

More about the calculation

Principal and interest are calculated from the modeled loan amount, selected payment rate, and loan term. The model uses 8.661% combined 3-2-1 buydown cost and an assumed 2.15% VA funding fee financed into the loan. It includes a $8,000.00 closing-cost allowance, modeled through a higher contract price and seller credit. Points and any temporary buydown funding are modeled through a higher contract price and seller credits, subject to lender approval and appraisal support.

Property taxes use the community mill levy and an approximate assessed-value calculation; they are estimates, not an actual tax bill. Homeowners insurance is estimated at $180.00 per month. Applicable community HOA/metro charges are included. Upfront tax and insurance escrow deposits are excluded. A zero down payment does not guarantee zero cash due at closing.

3-2-1 Buydown payment assumption notes

The advertised amount is the Year 1 estimated payment. A builder-funded 3-2-1 buydown reduces the buyer's principal and interest payments during the first three years; the underlying note rate remains fixed. Payments are based on a rate 3 percentage points below the note rate in Year 1, 2 points below in Year 2, and 1 point below in Year 3. Full note-rate payments begin in Year 4. Taxes, insurance and HOA/metro charges are estimates and may change. Interest rate is not APR. Financing costs are modeled through a higher contract price and seller credits, subject to lender approval and appraisal support. Contact the lender for a complete Loan Estimate.

*Advertised payments are estimates based on promotional financing for qualified buyers on select homes. Not all buyers will qualify. Actual payments vary based on the home, loan program, down payment, credit qualifications, taxes, insurance, and applicable HOA or metro district charges. Financing incentives require use of the designated lender. Buyers may choose any lender. Offers are subject to availability, lender approval, and change. This is not a commitment to lend.

Promotion terms & lender information