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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 11/27/2019. 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 = 5.694%
  • 680-699 = 4.407%
  • 720-739 = 3.923%
  • 740 or greater = 3.802%
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  • Bright Butterfly

    New Homes in Winter Garden

    Butterflies fly free at Winter Garden’s Butterfly Garden on West Orange Trail. Experience the true beauty of these magnificent creatures.

  • Ready to Eat

    New Homes in Winter Garden

    The Winter Garden Farmers Market offers more than fresh produce. Open every Saturday, the market offers a huge selection of homemade goods, beautiful flowers and live music.

  • On the Fairway

    New Homes in Winter Garden

    Winter Garden is right by five of Orange County’s finest golf courses. Grab your clubs and head out for a round at Panther Lake or Gravity Golf’s magnificent greens.

  • Opening Number

    New Homes in Winter Garden

    Experience theater up close at a Garden Theatre performance, right in the heart of Winter Garden. Watch as performers sing, dance, and act during the theater’s annual season.

  • Eye for Art

    New Homes in Winter Garden

    Become one with art at the Winter Garden Art Association’s SoBo Gallery. See new exhibitions each month and meet the artists.

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    New homes for sale in Winter Garden, FL. Surrounded by sun and sea, living in your new K. Hovnanian® home will feel like an endless summer vacation.

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    Winter Garden

    Rooted
    In Sunshine

    Winter Garden is the embodiment of Florida living. With a vibrant downtown scene, convenient access to sports and leisure and proximity to the shore, you'll live a life others call a dream vacation. Consider our new construction homes in Winter Garden, FL today.

    Get Your Napkins Ready

    You’ll find savory barbecue at 4 Rivers Smokehouse.

    Fresh off the Grill

    Check Off Your Shopping List

    Visit the shops at the Winter Garden Village at Fowlers Grove.

    Fun, Fashion, and More

    Crafted Just for Brew

    Sample local selections at the Crooked Can Brewing Company.

    Hops on Over

    The Great Outdoors

    Kayak out in the waters of Lake Apopka at Newton Park.

    Become One with Nature

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