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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%

  • Kitchen with spacious island

  • Versatile loft space

  • Great room with fireplace

  • Glamorous owner's suite

  • Luxurious Townhomes

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Colby

Four Ponds at Lincroft

The Colby offers:

  • Designer kitchen perfect for your inner chef
  • Large bedroom closets allowing for ample storage space
  • Spacious first floor owner’s suite, private bath and walk-in closets
  • Beautiful fireplace options to help stay warm during cold, brisk evenings
  • Loft space providing the perfect relaxation area for guests

Est. Monthly Payment $3,995/mo*

Based on a 30 year fixed loan at 3.802% with 20% down

To modify these selections, use our Mortgage Calculator

Starting From $663,490

Townhomes

Approx. Sq Ft: 3,047

  • 2

    Stories

  • 3

    Beds

  • 2.5

    Baths

  • 2

    Garages

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  • Floor Plans
  • Exteriors
  • Design Features
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Home Details

Home Details

Colby

Contact Us

800-470-7344

800-470-7344

  • Luxurious Townhomes

    Designer Kitchens

    • Designer line furniture quality cabinetry with 42” upper cabinets
    • Granite countertops with single bowl, stainless steel undermount sink
    • GE® stainless steel large capacity, multi-cycle, sound insulated dishwasher
    • GE® stainless steel microwave with singe wall oven combo
    • GE® stainless steel 30” gas cook top with 4 sealed burners
    • Choice of ceramic tile

      Elegant Baths

      • Owner's bath with granite vanity top with double sinks and shower
      • Moen® chrome faucets in all baths
      • Beautifully crafted furniture quality cabinetry choice of finishes
      • Anti-scalding posi-temp tub or shower faucets
      • Ceramic tile walls in tub and shower area
      • Ceramic tile flooring

        Deluxe Interiors

        • Designer light fixtures, finished in brushed nickel
        • Elegant entry foyers
        • Staircase with finely crafted solid oak railing and treads
        • Decorative trim package
        • Spacious walk-in closet in owner's suite with free slide shelving
        • 8' Masonite 6-panel interior doors
        • Separate laundry room with washer and dryer

          Deluxe Exteriors

          • Solid color 6" beaded vinyl siding
          • Easy care low maintenance exterior
          • Limited lifetime dimensional shingles
          • Aluminum gutters and downspouts
          • 2 frost free hose bibs
          • Designer insulated carriage-style garage doors

            High Performance Energy Efficiency

            • Tank-less hot water heater
            • Climate control day/night automatic setback clock thermostats

            Disclaimer

            *The HERS® Index is a scoring system established by the Residential Energy Services Network (RESNET) in which a home built to the specifications of the HERS Reference Home (based on the 2006 International Energy Conservation Code – NJ adopted 8/20/07) scores a HERS Index of 100, while a net zero energy home scores a HERS Index of zero. The lower a home’s HERS Index, the more energy efficient it is in comparison to the HERS Reference Home. All energy cost and energy savings figures are approximate. The 20 year old home, 10 year old home, typical similar 2009 code built home and K. Hovnanian ® High Performance Home HERS Index ratings have been derived using the average of the homes built at Four Ponds at Lincroft since 2016, or similar home using local climate data. The HERS score for each particular home will vary based on orientation of home, number of windows, and location in building, where applicable. The HERS Index for the typical similar 2006 code built home (Adopted March, 2008) is the benchmark for the HERS scale. The HERS Index of the Energy Star home is based on the compliance requirement of EPA Energy Star New Homes Version 2.0 for the local climate zone defined as being at or below a HERS Index of 85.

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            for the Colby Home Design

            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.

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