Home for the Holidays

There’s still time to find your new Avital home and be Home for the Holidays.

For a limited time, qualified buyers can take advantage of a 5.875% promotional interest rate when purchasing an eligible Avital home and financing through the Jim Alderman Team at CommunityAmerica Credit Union.

How the Rate Buydown Works

Avital Homes is helping eligible buyers reduce their mortgage interest rate by contributing up to $12,500 toward a rate buydown, while CommunityAmerica Credit Union is providing an additional lender credit of up to $1,000.

Those credits are used to purchase mortgage discount points. Rather than receiving the incentive as cash, the funds are applied toward lowering the mortgage rate—helping qualified buyers secure the advertised 5.875% initial rate on a 7/1 ARM.

A lower interest rate can mean a lower monthly principal-and-interest payment, potentially making the home you want more affordable each month.

With a 7/1 ARM, the initial interest rate is fixed for the first seven years. After that period, the rate may adjust annually according to the terms of the loan.

Why Buy Now?

Mortgage rates can have a major impact on monthly affordability. This limited-time promotion gives qualified buyers an opportunity to use Avital Homes’ builder incentive toward the financing itself instead of waiting and hoping market rates move lower.

And with the holidays approaching, there’s another benefit: you could be celebrating them in your new home.

The process is simple:

1. Get pre-approved with the Jim Alderman Team at CommunityAmerica Credit Union.

2. Find your Avital Homes community and new home.

3. Sign an eligible purchase agreement by October 31 and work toward closing within 30 days.

Make Your Move Before October 31

The Home for the Holidays promotion is available for a limited time and expires October 31, 2026.

Explore available Avital Homes communities and homes today, then speak with the Jim Alderman Team to find out whether you qualify for the promotional financing.

Your new home—and a 5.875% promotional rate—could be waiting.

_{Limited-time offer. Expires 10/31/2026. Valid on accepted full-price, non-contingent purchase agreements with a 30-day closing date. Mortgage financing must be obtained through the Jim Alderman Team at Community America Credit Union (CACU). The advertised 5.875% initial interest rate is available to well-qualified buyers on a 7/1-ARM mortgage. All loans are subject to credit approval and qualification requirements, including minimum loan amount requirements.}

_{To help eligible buyers obtain the advertised rate, Builder will provide a credit of up to $12,500 toward the rate buydown only, and CACU will provide a lender credit of up to $1,000. The combined credits are limited to the cost of 2.5-discount points or $13,500, whichever is less. Credits have no cash value and cannot be applied to any other costs. Rates and program terms are subject to change without notice. This promotion cannot be combined with other offers. Other restrictions may apply. Contact the Jim Alderman Team at CACU for full loan terms and details. NMLS ID #407543.}