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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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  • D.C. at Dusk

    New Homes in Stafford

    Just a short drive from Stafford you’ll find our nation’s capital. Head out to Washington D.C. for a weekend getaway.

  • Bald Eagle Soaring

    New Homes in Stafford

    The Crow’s Nest Natural Area Preserve just minutes from Stafford is home to nearly 3,000 acres of protected forests and wetlands, serving as a habitat for nesting bald eagles.

  • Daytime on the Potomac

    New Homes in Stafford

    Stafford sits along the edge of the Potomac River. The river provides the perfect place for kayaking, canoeing and boating.

  • Fresh Veggies

    New Homes in Stafford

    Farmer-owned & family-operated Stafford Farmers Market Cooperative is held every Sunday & offers a wide selection of fresh locally grown produce.

  • Autumn at Government Island

    New Homes in Stafford

    The beautiful 17 acres of the historic Government Island are a perfect place for nature photographers and hikers alike. Head out to the trails just outside of Stafford.

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    Life on
    The Potomac

    Right on the Potomac River, our new construction homes in Stafford are the perfect place to live. With acclaimed local amenities, a rich history and a quick drive to D.C., Stafford County is the place you’ll want to call home.

    Whet Your Appetite

    Try the delicious selections at The Globe and Laurel.

    Make Your Reservations

    Find the Perfect Fit

    Visit Stafford Marketplace and shop a variety of stores.

    Shop and Save

    Try a Taste of the Potomac

    Learn about winemaking at Potomac Point Winery.

    Uncork the Fun

    Make a Splash

    Enjoy a day in the sand at Widewater Beach.

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