New Homes for Sale in Polk County, FL

*FHA – 4.99% (5.718% APR) based on 3.5% down payment
VA – 4.99% (5.199% APR) based on 0% down payment
Conventional – 5.75% (5.782% APR) based on 20% down payment

*For a limited time, Landsea Homes is offering below-market interest rates valid on new home contracts for eligible properties closing by 7/31/2025 (the “Promotion”). Landsea Homes has locked in, through Landsea Mortgage, fixed interest rates using a pool of funds. Interest rates are only available through Landsea Mortgage until funds are either depleted or rates expire. Interest rates are subject to change daily and without notice.

**For a limited time, Landsea Homes is offering to buydown the Market Interest Rate by 1% within 45 days of the Final Closing Date for delivery of the home, valid on new contracts as of 02/20/2025 and applies to select homesites (the “Promotion”). The Final Closing Date will be provided by Landsea Homes once the home is substantially complete. The Market Interest Rate will be based off of the Mortgage Bankers Association Weekly Rate Survey, which can be found here: https://www.mortgagenewsdaily.com/mortgage-rates/mba. At closing, Landsea Homes agrees to contribute a closing cost credit toward discount points to buy down the Market Interest Rate by 1%. The total contribution by Landsea Homes is subject to maximum contribution limitations based on mortgage loan program guidelines, and excludes loan level pricing adjustments (LLPAs) based on qualifying credit score, loan to value, occupancy, and property type. The Promotion assumes (a) a Conventional, fixed rate loan; 10% down payment or more; 780 credit score or better; and Primary Residence; (b) a FHA, fixed rate loan; 3.50% down payment; 640 credit score or better; and Primary Residence; or (a) a VA, fixed rate loan; 0% down payment; 640 credit score or better; and Primary Residence. Interest rates are subject to change daily and without notice. The final interest rate will depend on the Market Interest Rate at the time of requesting to lock, individual qualifications and loan specifics.

***The payments stated above are for a FHA loan assuming a FICO score of 640+ and 3.5% down. The payments stated are based on principal and interest only and do not include taxes, insurance, or homeowner’s association payments. Your actual payment will be higher. The mortgage insurance premium will vary depending on the loan characterization. Payments and rates may vary based on a borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood insurance may be needed, which could increase the monthly payment and annual percentage rate (APR).

****“New Pricing” reflects a temporary promotional price reduction and does not include any additional incentives tied to interest rate buydown programs or paid closing costs. Interest rate promotions and pricing incentives may not be combined. The advertised home price does not reflect the cost of interest rate buydown or additional financing benefits. Pricing, incentives, and availability are subject to change without notice. Contact a Landsea Homes sales representative for full details.

Applicants are subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements and/or investor program guidelines – not all applicants will be eligible for the Promotion. For eligibility, an applicant must (1) pre-apply with Landsea Mortgage by visiting www.landseamortgage.com prior to submitting an offer to qualify for the Promotion; (2) utilize the services of Landsea Homes’ closing agent and finance with Landsea Mortgage; and (3) satisfy all other eligibility criteria of Landsea Homes and/or Landsea Mortgage. Applicants are not required to finance through Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage.

This is a co-marketing piece with Landsea Homes. Landsea Mortgage is a Division of NFM, Inc. NFM, Inc. -NMLS #2893. NFM, Inc. is an Equal Housing Lender. NFM, Inc. dba Landsea Mortgage, has a financial relationship with the home builder Landsea Homes and you may choose not to use NFM Inc, dba Landsea Mortgage as your lender in connection with the purchase of a Landsea Home. You are entitled to shop around for the best lender/real estate company for you. This is not a credit decision or a commitment to lend. Landsea Mortgage cannot predict where rates will be in the future. Make sure you understand the features associated with the loan program you choose and that it meets your unique financial needs. For full agency and state licensing information, please visit http://www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (http://www.nmlsconsumeraccess.org/). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or depository institution. Landsea Mortgage powered by NFM Tempe branch is located at 58 S River Dr, Suite 330, Tempe, AZ 85281. Branch NMLS #1490627. Branch licensing information: AZ 0121417. NFM, Inc. d/b/a NFM Lending. NFM, Inc. is licensed by AZ #0934973 (dba NFM Consultants, Inc.). Copyright © 2025 NFM, Inc. dba NFM Lending. America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.