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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 3/20/2020. 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 = 5.415%
  • 680-699 = 3.821%
  • 720-739 = 3.504%
  • 740 or greater = 3.410%
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  • Lake Erie

    New Homes in Lorain

    The fourth largest of the Great Lakes is right off the coast of Lorain. Lake Erie offers a variety of water sports and activities for everyone to enjoy.

  • Thriving Local Economy

    New Homes in Lorain

    Proximity to Cleveland means you’ll have access to coveted job opportunities in a variety of industries and even Fortune 500 companies.

  • Great Schools

    New Homes in Lorain

    According to Niche.com’s 2019 ratings, Lorain was given an A rating for diversity and its public schools’ student to teacher ratio is just 15:1.

  • Get your Daily Dose of Nature

    New Homes in Lorain

    Connect with nature and enjoy outdoor adventures at Lorain’s river reserves, beautiful parks system and nature preserves.

  • Crowd Pleaser

    New Homes in Lorain

    The action is close by in nearby Cleveland. Keep up with the Cavaliers, Indians, and Browns and never miss a game.

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    Life on the lake’s shore is the best way to experience Lorain. Great local schools, endless water activities on Lake Erie, and proximity to Cleveland allow you to truly have it all. Build the life you’ve been dreaming of and consider our new homes in Lorain, Ohio.

    Beautiful Rose Garden

    Enjoy sunsets from a gazebo while your kids play in the sand.

    Lakeview Park

    Historic Theater

    Enjoy a date night at the first movie theatre in Ohio.

    Lorain Palace Theater

    Wind in Your Sails

    An up-close look at the Lorain Lighthouse and Black River.

    Lorain Port Authority

    Batter Up

    Pack the bleachers to cheer on the Lorain Ironmen baseball team.

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