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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 1/10/2020. 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 = 5.728%
  • 680-699 = 4.401%
  • 720-739 = 3.992%
  • 740 or greater = 3.897%
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  • Breathtaking Views

    New Homes in Cedar Grove

    Take a hike at Eagle Rock Reservation, a 400-acre forest reserve and enjoy views of the Manhattan skyline.

  • College Town

    New Homes in Cedar Grove

    Cedar Grove is just minutes from Montclair, which is home to great shopping, fantastic restaurants and Montclair State University.

  • Hole-in-One

    New Homes in Cedar Grove

    Play 18 holes at one of three public golf courses in Essex County. Perfect for all levels.

  • Easy Access

    New Homes in Cedar Grove

    Looking for big city fun? New York City is less than 25 miles from Cedar Grove and is easily accessible by public transportation.

  • Small Businesses

    New Homes in Cedar Grove

    Take a stroll through the beautiful downtown area and enjoy Cedar Grove’s small-town charm.

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    Cedar Grove

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    Residents of Cedar Grove have access to top employers, prestigious schools and endless recreation. Proximity to major transportation hubs and New York City makes this area the perfect place to call home. Start living the lifestyle you deserve in your new construction home in Cedar Grove, NJ.

    Amazing Restaurants

    You’ll love the diverse and delicious array of dining options.

    Bon Appetit

    Chocolate Works

    Sample sweets and try the chocolate fountain.

    Bring Your Sweet Tooth

    Lambert Castle

    Learn about art and history while visiting this elegant castle.

    A Local Gem

    Safe Schools

    One of the safest 2019 best schools of the state by Niche.com.

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