Aerial view of a suburban neighborhood featuring multiple tennis courts, a pool, playground, and curved roads.

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Harvest BIG Savings

Harvest Big Savings This Fall at Salacoa — Calhoun, Georgia Artisan Built Communities is offering builder contributions toward interest rate buydowns on featured move-in ready homes at Salacoa in Calhoun, Georgia (Gordon County). Buyers can apply the contribution two ways: Permanent buydown: reduces the rate on an FHA 5/1 ARM from a 6.625% standard rate to as low as 4.990%, lowering the estimated monthly payment by roughly $375 to $400 on the featured homes. 2-1 buydown: temporarily reduces the rate on an FHA 30-year fixed loan to 4.250% in year one and 5.250% in year two, returning to the 6.250% note rate for years three through thirty. Featured homes: 403 Wildflower Circle, Calhoun — $369,179; 106 Sunflower Lane, Calhoun — $389,330; 142 Lavender Circle, Calhoun — $368,304. Financing examples are based on FHA loans with 3.5% down, 360 monthly payments, a minimum 760 credit score, and primary residence occupancy. Rates and APRs shown were effective 09/30/2026 and are subject to change. Financing examples provided by Andy Rohland, Mortgage Banker, Ameris Bank (NMLS 201170). Buyers are not required to finance with Ameris Bank. Equal Housing Opportunity.

Fall financing promotion highlighting interest rates as low as 4.990% with builder-paid rate buydown options.

Modern two-story beige house at dusk with illuminated windows and a black front door at 142 Lavender Circle

Modern gray single-family home at 106 Sunflower Lane priced at $389,330 with October incentives and low monthly payments.

Modern two-story house at dusk with warm interior lighting and a black front door under a dark roof.

Modern two-story beige house with black door and lit windows advertised for sale at 403 Wildflower Lane.

Fall-themed home sales ad with autumn leaves and text about changing seasons and new home savings.

Promotional Disclaimer: The interest rates and Annual Percentage Rates shown in these examples were effective as of 09/30/26. Buydown concessions and/or discount are typically paid for by the seller or builder. Payments are based on 360 monthly payments, minimum 760 credit score, primary residence only. Estimated payments do not include hazard insurance (if applicable), fees and closing costs and may not include homeowners insurance and/or property taxes. Mortgage insurance estimate for conventional loans is provided by a third-party provider and is not guaranteed. Actual payment obligation may be greater. Terms and closing cost may vary. FHA loan options may include upfront mortgage insurance in the total loan amount and monthly mortgage insurance in the monthly payment. Additional financing and loan terms are available. Property Disclaimer: Price/Rates subject to change without notice. Borrowers have the option to work with a lender of choice and are not obligated to apply for financing with Ameris Bank. The broker, realtor, builder or third party referenced below is an independent third party and not affiliated with, or a subsidiary of, Ameris Bank. NMLS# 408099

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Front view of a beige two-story house with warm interior lights and a black door under a promotional housing offer.

403 Wildflower Circle, Calhoun | $369,179 PERMANENT BUYDOWN FHA 5/1 ARM - Standard Rate Estimated Monthly Payment: $2,866.06 Rate: 6.625% | APR: 7.500% Purchase Price: $369,179 Down Payment: $12,921 (3.5%) Loan Amount: $362,493 Discount (Points): 0.00 Principal & Interest: $2,321.08 Property Taxes: $307.65 Homeowners Ins.: $75.00 Mortgage Insurance: $162.33 HOA Dues: TBD FHA 5/1 ARM - Buydown Rate Estimated Monthly Payment: $2,488.70 Rate: 4.990% | APR: 7.123% Purchase Price: $369,179 Down Payment: $12,921 (3.5%) Loan Amount: $362,493 Discount (Points): 0.00 Principal & Interest: $1,943.72 Property Taxes: $307.65 Homeowners Ins.: $75.00 Mortgage Insurance: $162.33 HOA Dues: TBD 2-1 BUYDOWN 2-1 Buydown - FHA 30-Year Fixed Estimated Monthly Payment, Year 1: $2,328.16 Note Rate: 6.250% | APR: 7.322% Purchase Price: $369,179 Down Payment: $12,921 (3.5%) Loan Amount: $362,493 Discount (Points): 0.00 Property Taxes: $307.65 Homeowners Ins.: $75.00 Mortgage Insurance: $162.26 HOA Dues: TBD 2-1 Buydown - Payment by Year Rate is reduced 2% in Year 1 and 1% in Year 2, then the 6.250% note rate applies for Years 3-30. Year 1: 4.250% rate | P&I $1,783.25 | Taxes, Ins. & MI $544.91 | Est. Monthly Payment $2,328.16 Year 2: 5.250% rate | P&I $2,001.70 | Taxes, Ins. & MI $544.91 | Est. Monthly Payment $2,546.61 Years 3-30: 6.250% rate | P&I $2,231.93 | Taxes, Ins. & MI $544.91 | Est. Monthly Payment $2,776.84

403 Wildflower Lane

106 Sunflower Lane, Calhoun | $389,330 PERMANENT BUYDOWN FHA 5/1 ARM - Standard Rate Estimated Monthly Payment: $3,018.40 Rate: 6.625% | APR: 7.488% Purchase Price: $389,330 Down Payment: $13,627 (3.5%) Loan Amount: $382,278 Discount (Points): 0.00 Principal & Interest: $2,447.77 Property Taxes: $324.44 Homeowners Ins.: $75.00 Mortgage Insurance: $171.19 HOA Dues: TBD FHA 5/1 ARM - Buydown Rate Estimated Monthly Payment: $2,620.08 Rate: 4.990% | APR: 7.111% Purchase Price: $389,330 Down Payment: $13,627 (3.5%) Loan Amount: $382,278 Discount (Points): 0.00 Principal & Interest: $2,049.81 Property Taxes: $324.44 Homeowners Ins.: $75.00 Mortgage Insurance: $170.83 HOA Dues: TBD 2-1 BUYDOWN 2-1 Buydown - FHA 30-Year Fixed Estimated Monthly Payment, Year 1: $2,451.13 Note Rate: 6.250% | APR: 7.322% Purchase Price: $389,330 Down Payment: $13,627 (3.5%) Loan Amount: $382,278 Discount (Points): 0.00 Property Taxes: $324.44 Homeowners Ins.: $75.00 Mortgage Insurance: $171.11 HOA Dues: TBD 2-1 Buydown - Payment by Year Rate is reduced 2% in Year 1 and 1% in Year 2, then the 6.250% note rate applies for Years 3-30. Year 1: 4.250% rate | P&I $1,880.58 | Taxes, Ins. & MI $570.55 | Est. Monthly Payment $2,451.13 Year 2: 5.250% rate | P&I $2,110.95 | Taxes, Ins. & MI $570.55 | Est. Monthly Payment $2,681.50 Years 3-30: 6.250% rate | P&I $2,353.75 | Taxes, Ins. & MI $570.55 | Est. Monthly Payment $2,924.30

106 Sunflower Lane

Modern two-story beige house with illuminated windows, black front door, and attached garage at sunset.

142 Lavender Circle, Calhoun | $368,304 PERMANENT BUYDOWN FHA 5/1 ARM - Standard Rate Estimated Monthly Payment: $2,859.43 Rate: 6.625% | APR: 7.487% Purchase Price: $368,304 Down Payment: $12,891 (3.5%) Loan Amount: $361,633 Discount (Points): 0.00 Principal & Interest: $2,315.57 Property Taxes: $306.92 Homeowners Ins.: $75.00 Mortgage Insurance: $161.94 HOA Dues: TBD FHA 5/1 ARM - Buydown Rate Estimated Monthly Payment: $2,482.63 Rate: 4.990% | APR: 7.123% Purchase Price: $368,304 Down Payment: $12,891 (3.5%) Loan Amount: $361,633 Discount (Points): 0.00 Principal & Interest: $1,939.11 Property Taxes: $306.92 Homeowners Ins.: $75.00 Mortgage Insurance: $161.60 HOA Dues: TBD 2-1 BUYDOWN 2-1 Buydown - FHA 30-Year Fixed Estimated Monthly Payment, Year 1: $2,322.81 Note Rate: 6.250% | APR: 7.322% Purchase Price: $368,304 Down Payment: $12,891 (3.5%) Loan Amount: $361,633 Discount (Points): 0.00 Property Taxes: $306.92 Homeowners Ins.: $75.00 Mortgage Insurance: $161.87 HOA Dues: TBD 2-1 Buydown - Payment by Year Rate is reduced 2% in Year 1 and 1% in Year 2, then the 6.250% note rate applies for Years 3-30. Year 1: 4.250% rate | P&I $1,779.02 | Taxes, Ins. & MI $543.79 | Est. Monthly Payment $2,322.81 Year 2: 5.250% rate | P&I $1,996.95 | Taxes, Ins. & MI $543.79 | Est. Monthly Payment $2,540.74 Years 3-30: 6.250% rate | P&I $2,226.63 | Taxes, Ins. & MI $543.79 | Est. Monthly Payment $2,770.42

146 Lavender Circle

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