*Horizon Financial, Inc. is a mortgage company and is not a realty company. This website is just a listing of homes and sellers that are partners in the low rate LowFixedRateHomes.com mortgage program. We only assist in the financing, because we are not realtors. If you have any questions regarding any specific property, please contact the listing realtor, builder, or seller. APR= 5.89% and is based on a 30 year fixed mortgage with no prepayment penalty on the 1st mortgage. Rates change daily and is subject to underwriting approval, call to lock rate. Based on 20% down, but can close as low as 5% down (100% financing available at higher rate). Very low payment 30 year interest only ARM options also are available. Sellers, call Gary at Horizon Financial for details to offer LowFixedRateHomes.com rates on your home. There is a one page legal document that must be signed before the LowFixedRateHomes.com rate can be offered by a seller. A home must be selling for more than $140,000. to be listed as a LowFixedRateHomes.com home and Gary Schoenholz of Horizon Financial has the right to refuse to market any home under the LowFixedRateHomes.com program for any reason. The LowFixedRateHomes.com rate is offered only at the price listed on the website, if the property is bought for less than the price listed on the website, the LowFixedRateHomes.com rate may not apply. The low rate and low net closing costs are achieved by a SELLER concession to the BUYER of no more than 1.6% of the purchase price (though seller concessions higher than 1.6% may occur if agreed upon in written contract between buyer and seller). Notify the seller you are applying for a LowFixedRateHomes.com mortgage as it will be part of your purchase agreement if the LowFixedRateHomes.com listing is purchased. The LowFixedRateHomes.com rate and program can change without notice and the seller and Horizon Financial and it's employees are not liable for any program changes. Payment quotes are principle and interest (Escrow of taxes and insurance may be required). The LowFixedRateHomes.com financing for a purchase has low net closing costs for buyers (Net fees paid by the buyer to Horizon Financial, not counting the $395. Processing fee, is less than 1% of the purchase price). The LowFixedRateHomes.com financing program is primarily a purchase program because of the lower net closing costs versus a refinance. Home listing info should be reliable, but is not guaranteed for 100% accuracy (contact the property realtor for complete home information). Gary Schoenholz and Horizon Financial, Inc. assume no liability or responsibility for any mortgage program, rates, or seller information inaccuracies or changes. Mortgage programs and rates can change daily. The final sales agreement between the buyer and the seller supercedes any previous agreement or any information provided by this website in regards to the final seller concession to the buyer. If the seller and buyer agree in written contact to a certain seller concession or NO seller concession, that takes precedence over anything printed on this website or anything verbally agreed upon or anything written earlier before the finally executed sales agreement. Gary Schoenholz and Horizon financial, Inc. also claim no responsibilty or liability in the quality and accuracy of the information provided by the seller or of the quality and condition of the house being listed. Home inspection, appaisal, and buyer personal close inspections of the home and land is highly recommended. Call for program details.
