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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 10/4/2019. 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 = 5.693%
  • 680-699 = 4.459%
  • 720-739 = 4.024%
  • 740 or greater = 3.899%

 
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  • Later Gator

    New Homes in St. Cloud

    An airboat tour through the Everglades is a great idea for a family outing. You’ll spot alligators, bald eagles and other exciting wildlife.

  • Wine and Dine

    New Homes in St. Cloud

    Take a stroll through downtown St. Cloud and enjoy shopping, great restaurants and local attractions.

  • Go Fish

    New Homes in St. Cloud

    Lakefront Park is a great place to relax and enjoy St. Cloud’s beautiful weather, fishing, boating and more.

  • Day Trip

    New Homes in St. Cloud

    St. Cloud is conveniently located near Orlando, which is one of the country’s most visited cities, and is home to more than a dozen theme parks.

  • Saddle Up

    New Homes in St. Cloud

    Tour Deseret Ranch and learn more about local farming, wildlife and conservation.

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    St. Cloud is right in the heart of Central Florida and is where you’ll want to call home. Enjoy a vibrant atmosphere, beautiful weather, stunning natural surroundings and proximity to the excitement of Orlando. Consider our new construction homes in St. Cloud, FL, today.

    Natural Beauty

    Enjoy the nature trail and gardens at Peghorn Nature Park.

    Relax and Unwind

    Central Florida Animal Reserve

    Learn about lions, tigers, leopards, cougars and more.

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    Pick Your Own Peaches

    Pick fresh Florida peaches at Premium Peach farm.

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