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Ask our K. Hovnanian American Mortgage associates about additional financing options

Estimated monthly payment is calculated on the price of the home and terms as shown above and includes estimates for property taxes and homeowners’ insurance as well as HOA Fees and PMI/MIP (if applicable).  Your actual monthly payment may be greater. The estimated monthly payment is provided for illustration purposes only and is not a commitment to lend, nor a representation or guaranty that such payment amount will be applicable to any purchaser and/or transaction. Interest rate is not guaranteed and is subject to market conditions and may change or program may be cancelled without prior notice. You should contact a lender of your choosing for information, terms, and conditions specific to your current situation. Click here for further details.
Interest rate is as of 2/21/2020. Mortgage loan assumes no fees payable to lender so that the interest rate and APR are the same. If your lender charges any fees in connection with the mortgage loan, your APR will be higher. Assumes a 30-year fixed rate, owner-occupied mortgage loan for a purchaser with a credit score of 740+ with a down payment of [Down Payment Percentage] as described in the Mortgage Calculator. For conventional mortgages, Private Mortgage Insurance (PMI) may be required by your lender if your down payment is less than 20%. For FHA mortgages, a Mortgage Insurance Premium (MIP) payment is required at an upfront rate of 1.75% of the borrowed amount and monthly at an annual rate of 0.85% of the amount borrowed. Not all communities are eligible for FHA financing.

Your interest rate may vary depending upon the type of mortgage, loan amount, loan-to-value ratio, occupancy, purpose of loan, and your credit scores. Assumed terms may not be available to all or any purchasers. Loan programs, financing programs, interest rates, home purchase price, fees, payments and offers may vary, are subject to change or cancellation at any time without notice and are subject to the specific underwriting guidelines of your chosen lender, credit approval, property appraisal, seller contribution limits, and other conditions, as applicable. Property taxes, homeowner’s insurance and HOA fees are estimates only. Actual amounts for property taxes, homeowner’s insurance and HOA fees may be higher and are subject to change from time to time. Flood insurance may be required depending on location of the home. Mortgage calculator is for informational and illustrative purposes only. You are encouraged to seek advice from a lender of your choosing for information, terms and conditions specific to your current situation.

K. Hovnanian Homes is not acting on behalf of or at the direction of HUD/FHA or the federal government. 

KHAM 30 YEAR FIXED FNMA/FHLMC RATE
Please use the list below to determine your estimated interest rate based on your credit score. 
Note: These values are only an estimate. Please speak with a K. Hovnanian American Mortgage advisor for more information.

  • 620-639 = 5.682%
  • 680-699 = 4.194%
  • 720-739 = 3.762%
  • 740 or greater = 3.689%
Back to Delaware
K. HOVNANIAN’S® FOUR SEASONS AT

BELLE TERRE

Remote Sales Center

Visit our remote sales office in Edison, New Jersey for a virtual tour of our model homes & amenities in Delaware.

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Tax-Free Shopping

Delaware living at its finest! Enjoy no state sales tax or tax on Social Security benefits.

Resort-Style Living on the Delaware Shore

Four Seasons at Belle Terre offers resort-style living in a premier location. Enjoy nearby shopping, dining, and entertainment, all just a quick drive from the beach. Make lasting connections with a diverse community of people at a fabulous stage in life.

Something New Every Day

From lifelong hobbies to untapped passions, there's always something fun to do and new to try.

9:00am 10:00am 11:00am 12:00pm 1:00pm 2:00pm 3:00pm 5:00pm 6:00pm
Yoga on the Beach Kayaking with Friends Coffee at the Clubhouse Lap Swim Downtown Lewes for Lunch Billiards Competition Volunteer at Beachside Pickup Dinner on the Water Neighborhood Mixer
Hiking

Hiking

Welcome to the scenic part of your active lifestyle. With many parks, trails and the beach nearby you will be able to enjoy all the natural beauty of Lewes.
Fitness Classes

Fitness Classes

Fitness is more fun with your friends! In our amazing clubhouse you’re sure to find a class that excites you.  Join in and participate in a new activity or an old favorite with your friends and neighbors.
Bocce Club

Bocce Club

Fuel your competitive side playing Bocce! Imagine an outdoor game that combines ski ball, bowling and shuffleboard. Easy to learn, fun to play and anyone can join in!
Fishing

Fishing

Enjoy quiet time with the ones you love. Whether you’re seeking solitude or quality time with friends and family, fishing is a great way to spend the afternoon. With quick access to Delaware beaches, you won't have to go far.
Kayaking

Kayaking

Enjoy the natural beauty of the Inland Bays while paddling down Love Creek which connects to Rehoboth Bay. With our private Kayak Launch and Storage facility, your equipment will be safe and convenient. Bring your binoculars to get a close-up view of nature and wildlife.
Pickleball

Pickleball

Get a team together for some friendly competition. Pickleball is a paddleball sport that combines elements of tennis, badminton and ping-pong. Grab some neighbors, get sweaty and enjoy this favorite competitive game.
Swimming Class

Swimming Class

Cool off with a fun class in our crystal blue swimming pool. Deep water running and water yoga are great ways to stay healthy and soak up some sun! Swimming laps and cannon balls are also welcome.
Yoga

Yoga

Grab your mat and head to the clubhouse to enjoy a relaxing workout that helps you build strength and flexibility. Yoga improves health, heals aches and pains and reduces stress.
Golf

Golf

Get ready to hit the links! Whether you're new to golf or a 2-handicap, you can find a course that challenges you. After a day on the greens, head back to the 6,000 sq ft clubhouse for a round of drinks.

Resort-Style Living

Maintenance free living at its best! Experience the harmonious balance of comfort and luxury at Four Seasons at Belle Terre.

All Community Amenities:

Pickleball Court

Pickleball Court

Challenge friends and neighbors to a fast-paced game of pickleball!  This fun mashup of tennis, ping-pong and badminton is sure to become your new favorite pastime.
Pool

Pool

Spend those long summer days lounging by your own community pool.  Meet friends and neighbors, or choose a quiet lounge chair and read that new novel.
Fitness Center

Fitness Center

Reach those fitness goals in your own community fitness center.  Try the treadmill, lift some weights or take a class.  You can do something new every day!
Kayak Launch

Kayak Launch

Take a leisurely paddle along beautiful Love Creek, accessible from the community’s kayak launch.  Feeling strong?  Paddle right down to the Delaware Bay, and take in the sights and sounds of nature along the way.
Game Room

Game Room

What’s your game?  Mahjong, pinochle, blackjack, poker?  Or how about a game of billiards?  Whatever your choice, you’ll find friends and neighbors ready to play along.
Tiki Hut

Tiki Hut

It’s a tropical oasis right here at home!  Visit the tiki hut for a drink and some shade under the palm fronds and feel like you’ve been transported to the islands!
Bocce Courts

Bocce Courts

If you don’t play Bocce yet, now’s your chance to learn!  This is a game of both luck and strategy.  Play one-on-one or with a team.  Can you get closest to the jack?
Lifestyle Director

Lifestyle Director

How about a trip to see the sights in Baltimore or Washington, DC?  Or maybe a sail along the Delaware Bay?  Maybe it’s time for a movie in the clubhouse, or a poetry reading.  The possibilities are endless thanks to your community’s Lifestyle Director!

Lasting Quality for Decades

Our Founder, Kevork S. Hovnanian (Pictured with his son, Ara) was one of the first builders to introduce the concept of Active Lifestyle Communities in the early 1970’s. His vision to combine homes of lasting value with extraordinary amenities became an integral part of his homebuilding company. In 1994, K. Hovnanian’s Four Seasons Active Lifestyle communities were officially introduced with our flagship community located in Lakewood, NJ. Over 25 years later, K. Hovnanian’s Four Seasons communities continue to be the epitome of resort at home living in the most sought-after locations across the country.

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Extra Suite Plus

A private suite including a spacious bedroom and bathroom, a separate living area with a kitchenette and a dedicated private entry.

Virtual Walking Tour

Homes with this icon offer a virtual walking tour.

Site Plan

Explore the Neighborhood

The sun, sea and suburbs come together in Lewes. Proximity to the shore, downtown shopping, and natural scenery make living in Lewes, DE, feel like a vacation.

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                Room dimensions may vary. Prices, availability, and specifications may change without notice. Some photography may be used for illustrative purposes and contain structural options or designer features that are not included as standard. Certain materials may be discontinued or substituted. Please see a community Sales Consultant to learn how you can personalize your new home with optional features and upgrades. This site makes use of licensed stock photography. Some photography may be used for illustrative purposes and may not depict actual features. Images, videos, activities and amenities shown are representative of a typical K. Hovnanian’s® Four Seasons community.  Offerings may vary by community.  Please speak with a community Sales Consultant for details.