4.99% - Low Rate Available* Start Here
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See the real cost of waiting

4.99% vs. 6.85%

Compare monthly savings at 4.99% vs. today’s typical 6.85% rate on a $700,000 home.

Both a 4.99% and a 6.85% interest rate may be fixed—but the long-term cost difference is anything but. Locking in a lower rate today means lower monthly payments from day one, and tens of thousands in savings over the life of your loan.

With our limited-time 4.99% financing offer on select homes, you can take advantage of a stable, fixed rate—and a significantly lower total cost of ownership.

Compare the difference and see how much more home you can afford when you buy a City Ventures home.

4.99%
VS
6.85%

Rate:

4.99%

Price:

$700,000

Down Payment:

$140,000

Term:

30-year fixed

Payment:

$3,003/mo

Rate:

6.85%

Price:

$700,000

Down Payment:

$140,000

Term:

30-year fixed

Payment:

$3,669/mo

Disclaimer: 4.99% interest rate available on select quick move-in homes for qualified buyers. Rates, terms, and availability subject to change without notice. Buyer must meet specific purchase and closing dates to qualify. Loan scenario based on a $700,000 purchase price with a 30-year fixed-rate mortgage. Actual monthly payments may vary based on down payment, taxes, insurance, and credit profile. Please consult with a sales associate for full terms and conditions.

Estimate Your Monthly Payment
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%
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Communities Featuring Our 4.99% Offer

Explore City Ventures new neighborhoods with limited-time 4.99% financing in premier California locations.

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Saddlewood at Joshua Ranch

Palmdale
2,554 - 3,152 Sq. Ft. | 3 - 5 Bedrooms
2.5 - 3.5 Bathrooms
LEARN MORE
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Towns On First

Upland
1,367 - 1,564 Sq. Ft. | 3 Bedrooms
3 Bathrooms
LEARN MORE
{'name': 'Skyridge at Joshua Ranch', 'city': 'Palmdale', 'thumbnail': <MediaCollectionItem: https://media.homefiniti.com/317/2023/7/11/22010_Palmdale_1509.jpg>, 'href': '/new-homes/ca/palmdale/skyridge-at-joshua-ranch/', 'sc_data': {'row_': <Row: Skyridge at Joshua Ranch>, 'custom_status': 'Final Homes', 'neighborhood_color': '', 'pricing_statement': 'Final Homes', 'card_subtitle': None, 'home_type': '', 'card_description': 'Life at the top of the world. Skyridge offers a collection of new homes that are out of this world. The neighborhood represents a rare opportunity to live high above the Palmdale valley, with city and territorial views that stretch out in every direction and in homes that are exceptionally beautiful and spacious – ideal for growing families, multi-gens, and everyone in between.', 'sitemap_url': 'https://apps.focus360.com/NEXT/sp/im/?propertyID=21169_A_Palmdale1B', 'neighborhood_logo': <MediaCollection: Media Collection: Neighborhood Logo>, 'register_form_image': <MediaCollection: Media Collection: Register Form Image>, 'community_promo_video': <MediaCollection: Media Collection: Community Promo Video>, 'community_images': <MediaCollection: Media Collection: Community Images>, 'features_gallery': <MediaCollection: Media Collection: Features Gallery>, 'features_text': "<ul><li>Solar Panel System (Included and Owned!)<br></li><li>Designer Quartz Or Granite Countertops</li><li>Chef's Kitchen With Stainless Steel Appliances</li><li>Cabinetry With Soft Close Drawers and Doors</li><li>Spa-like Master Baths with Soaking Tubs and Showers</li><li>California Room and Deck On Select Locations</li><li>Private Suite With Separate Entrance and Kitchenette</li><li>Gated Community At the Top Of Joshua Ranch</li></ul>", 'area_map_embed': '', 'area_map_url': 'https://apps.focus360.com/focus360API/assets/21169_A_Palmdale1B/VicinityMapHTML/', 'calendly_url': 'https://calendly.com/sales-team-a3c/skyridge-tour', 'homepage_thumbnail': <MediaCollection: Media Collection: Homepage Thumbnail>, 'dare_to_compare_pdf': <MediaCollection: Media Collection: Dare to Compare Pdf>, 'from_price_text': None, 'google_my_business_url': 'https://maps.app.goo.gl/VoYaUhVkFPU8oYPPA', 'compare_heading': None, 'compare_paragraph': '', 'compare_button_text': None, 'compare_modal_heading': None, 'compare_modal_paragraph': '', 'compare_modal_image': <MediaCollection: Media Collection: Compare Modal Image>, 'community_location_and_events_image': <MediaCollection: Media Collection: Community Location and Events Image>, 'community_location_and_events_url': None, 'brochure_url': None, 'lasso_ty_id': None}, 'min_sqft': 3566, 'max_sqft': 3566, 'bedrooms_range': (4, 5), 'bath_count_range': (2.5, 3.5), 'min_price': 824990}

Skyridge at Joshua Ranch

Palmdale
3,566 - 3,566 Sq. Ft. | 4 - 5 Bedrooms
2.5 - 3.5 Bathrooms
LEARN MORE
{'name': 'Round Barn', 'city': 'Santa Rosa', 'thumbnail': <MediaCollectionItem: https://media.homefiniti.com/317/2025/6/10/208CupolaCircle-WEB-1.jpg>, 'href': '/new-homes/ca/santa-rosa/round-barn/', 'sc_data': {'row_': <Row: Round Barn>, 'custom_status': 'Now Selling', 'neighborhood_color': '', 'pricing_statement': 'Now Selling', 'card_subtitle': None, 'home_type': '', 'card_description': 'Round Barn is City Ventures’ newest solar-powered townhome community in Santa Rosa, combining farmhouse architecture with modern finishes in a neighborhood that will include a pool and cabanas, garden, playground and parks. Located in the Fountaingrove neighborhood, Round Barn offers the serenity of Sonoma County, the adventure of nearby Russian River and convenient access to downtown Santa Rosa’s vibrant outdoor dining and entertainment scene.', 'sitemap_url': 'https://next.focus360.com/launch/?app=sp&communityId=19070_A_SantaRosa6', 'neighborhood_logo': <MediaCollection: Media Collection: Neighborhood Logo>, 'register_form_image': <MediaCollection: Media Collection: Register Form Image>, 'community_promo_video': <MediaCollection: Media Collection: Community Promo Video>, 'community_images': <MediaCollection: Media Collection: Community Images>, 'features_gallery': <MediaCollection: Media Collection: Features Gallery>, 'features_text': '<ul><li>Solar Panel System (Included and Owned!)</li><li>Designer Quartz Kitchen Countertops</li><li>LG Stainless Steel Appliances</li><li>Minimum 9 Foot Ceilings Throughout</li><li>Private Courtyards (Per Plan)</li><li>Community Resort Style Pool, Playground, and Parks</li></ul>', 'area_map_embed': '<mapplic-map data-json="https://mapplic.com/getMapData?id=LVQIP0F3yAS4rfMwMmWm"><script type="text/javascript" id="mapplic-script" src="https://mapplic.com/mapplic.js"></script></mapplic-map>', 'area_map_url': None, 'calendly_url': 'https://calendly.com/sales-team-a3c/roundbarn-tour', 'homepage_thumbnail': <MediaCollection: Media Collection: Homepage Thumbnail>, 'dare_to_compare_pdf': <MediaCollection: Media Collection: Dare to Compare Pdf>, 'from_price_text': None, 'google_my_business_url': 'https://maps.app.goo.gl/YA6MRMrHEZvLdxhS7', 'compare_heading': None, 'compare_paragraph': '', 'compare_button_text': None, 'compare_modal_heading': None, 'compare_modal_paragraph': '', 'compare_modal_image': <MediaCollection: Media Collection: Compare Modal Image>, 'community_location_and_events_image': None, 'community_location_and_events_url': None, 'brochure_url': None, 'lasso_ty_id': None}, 'min_sqft': 1746, 'max_sqft': 1884, 'bedrooms_range': (3, 4), 'bath_count_range': (2.5, 3.5), 'min_price': 689990}

Round Barn

Santa Rosa
1,746 - 1,884 Sq. Ft. | 3 - 4 Bedrooms
2.5 - 3.5 Bathrooms
LEARN MORE
{'name': 'Pinnacle', 'city': 'Milpitas', 'thumbnail': <MediaCollectionItem: https://media.homefiniti.com/317/2025/9/26/1756HouretCourt-PRINT-41.jpg>, 'href': '/new-homes/ca/milpitas/milpitas-pinnacle/', 'sc_data': {'row_': <Row: Pinnacle>, 'custom_status': 'Now Selling', 'neighborhood_color': '', 'pricing_statement': 'Final Sales Release', 'card_subtitle': None, 'home_type': '', 'card_description': '', 'sitemap_url': 'https://next.focus360.com/launch?app=sp&communityId=24011_A_Milpitas2', 'neighborhood_logo': <MediaCollection: Media Collection: Neighborhood Logo>, 'register_form_image': <MediaCollection: Media Collection: Register Form Image>, 'community_promo_video': <MediaCollection: Media Collection: Community Promo Video>, 'community_images': <MediaCollection: Media Collection: Community Images>, 'features_gallery': <MediaCollection: Media Collection: Features Gallery>, 'features_text': '<ul><li>Solar Power System (included and owned!)</li><li>Quartz or Granite Kitchen Countertops</li><li>Flat Panel Cabinets with Soft Closing Drawers &amp; Doors</li><li>LG Stainless Steel Appliances</li><li>Water Filtration System At Kitchen Sink</li><li>Ring Doorbell Pro</li><li>Smart Learning Thermostat</li><li>Dual-Glazed Windows Insulation Against Weather</li><li>Attached Two-Car Garage</li></ul>', 'area_map_embed': '<mapplic-map data-json="https://mapplic.com/getMapData?id=cajmdZEcPuP22diyKfQY"><script type="text/javascript" id="mapplic-script" src="https://mapplic.com/mapplic.js"></script></mapplic-map>', 'area_map_url': None, 'calendly_url': 'https://calendly.com/sales-team-a3c/pinnacle-tour', 'homepage_thumbnail': <MediaCollection: Media Collection: Homepage Thumbnail>, 'dare_to_compare_pdf': <MediaCollection: Media Collection: Dare to Compare Pdf>, 'from_price_text': None, 'google_my_business_url': 'https://maps.app.goo.gl/VWLRMHmhEv4wjGX19', 'compare_heading': None, 'compare_paragraph': '', 'compare_button_text': None, 'compare_modal_heading': None, 'compare_modal_paragraph': '', 'compare_modal_image': <MediaCollection: Media Collection: Compare Modal Image>, 'community_location_and_events_image': <MediaCollection: Media Collection: Community Location and Events Image>, 'community_location_and_events_url': None, 'brochure_url': None, 'lasso_ty_id': None}, 'min_sqft': 1064, 'max_sqft': 1847, 'bedrooms_range': (2, 3), 'bath_count_range': (2.0, 2.5), 'min_price': 899990}

Pinnacle

Milpitas
1,064 - 1,847 Sq. Ft. | 2 - 3 Bedrooms
2 - 2.5 Bathrooms
LEARN MORE
{'name': 'Melodia', 'city': 'El Cajon', 'thumbnail': <MediaCollectionItem: https://media.homefiniti.com/317/2025/5/14/HT6A9131.jpg>, 'href': '/new-homes/ca/el-cajon/el-cajon-melodia/', 'sc_data': {'row_': <Row: Melodia>, 'custom_status': 'Now Selling', 'neighborhood_color': '', 'pricing_statement': 'Now Selling', 'card_subtitle': None, 'home_type': '', 'card_description': '', 'sitemap_url': 'https://next.focus360.com/launch?app=sp&communityId=24010_A_ElCajon2', 'neighborhood_logo': <MediaCollection: Media Collection: Neighborhood Logo>, 'register_form_image': <MediaCollection: Media Collection: Register Form Image>, 'community_promo_video': <MediaCollection: Media Collection: Community Promo Video>, 'community_images': <MediaCollection: Media Collection: Community Images>, 'features_gallery': <MediaCollection: Media Collection: Features Gallery>, 'features_text': '<ul><li>Solar Power System (included and owned!)</li><li>Quartz or Granite Kitchen Countertops</li><li>Cabinets with Soft Closing Drawers and Doors</li><li>LG Stainless Steel Appliances</li><li>Water Filtration System At Kitchen Sink</li><li>Smart Learning Thermostat</li><li>Dual-Glazed Window Insulation</li><li>Attached Two-Car Garage</li></ul>', 'area_map_embed': '<mapplic-map data-json="https://mapplic.com/getMapData?id=FThzASAh6rOLv8wa6KfZ"><script type="text/javascript" id="mapplic-script" src="https://mapplic.com/mapplic.js"></script></mapplic-map>', 'area_map_url': None, 'calendly_url': 'https://calendly.com/sales-team-a3c/melodiatour', 'homepage_thumbnail': <MediaCollection: Media Collection: Homepage Thumbnail>, 'dare_to_compare_pdf': <MediaCollection: Media Collection: Dare to Compare Pdf>, 'from_price_text': None, 'google_my_business_url': 'https://maps.app.goo.gl/FZWsns1JGgntbVzY9', 'compare_heading': None, 'compare_paragraph': '', 'compare_button_text': None, 'compare_modal_heading': None, 'compare_modal_paragraph': '', 'compare_modal_image': <MediaCollection: Media Collection: Compare Modal Image>, 'community_location_and_events_image': <MediaCollection: Media Collection: Community Location and Events Image>, 'community_location_and_events_url': None, 'brochure_url': None, 'lasso_ty_id': None}, 'min_sqft': 1370, 'max_sqft': 2023, 'bedrooms_range': (3, 4), 'bath_count_range': (2.5, 4.0), 'min_price': 649990}

Melodia

El Cajon
1,370 - 2,023 Sq. Ft. | 3 - 4 Bedrooms
2.5 - 4 Bathrooms
LEARN MORE
{'name': 'Grove Village', 'city': 'Santa Rosa', 'thumbnail': <MediaCollectionItem: https://media.homefiniti.com/317/2023/6/6/23008_Santa_Rosa_1514.jpg>, 'href': '/new-homes/ca/santa-rosa/grove-village/', 'sc_data': {'row_': <Row: Grove Village>, 'custom_status': 'Now Selling', 'neighborhood_color': '', 'pricing_statement': 'Final Homes Now Selling', 'card_subtitle': None, 'home_type': '', 'card_description': 'Ideally set just minutes from the heart of downtown Santa Rosa in the\xa0hills of the Russian River Valley, Grove Village offers the perfect blend of\xa0location, amenities and architecture that’s sure to delight.\xa0\xa0\r\nThe Sonoma Valley’s countless hiking trails\xa0and stunning sunsets are at your fingertips, and access to the bustling Bay Area’s major employment centers, world-class shopping, dining and attractions is just a car-ride away. \r\nWelcome home to this new neighborhood by City Ventures, Grove Village.', 'sitemap_url': 'https://d554gmj0ofabv.cloudfront.net/2.1/index.html?app=sp&communityId=21160_A_SantaRosa5', 'neighborhood_logo': <MediaCollection: Media Collection: Neighborhood Logo>, 'register_form_image': <MediaCollection: Media Collection: Register Form Image>, 'community_promo_video': <MediaCollection: Media Collection: Community Promo Video>, 'community_images': <MediaCollection: Media Collection: Community Images>, 'features_gallery': <MediaCollection: Media Collection: Features Gallery>, 'features_text': '<ul><li>Solar Panel System (Included and Owned!)</li><li>LG Stainless Steel Appliances</li><li>Designer Quartz Kitchen Countertops</li><li>Smart Dual Zone Thermostats</li><li>9 Foot High Ceilings In Main Living Areas</li><li>Outdoor Covered Patios</li><li>Community Park and Picnic Area</li></ul>', 'area_map_embed': '<mapplic-map data-json="https://mapplic.com/getMapData?id=vTBw37rwlOWt5GBjhuMT"><script type="text/javascript" id="mapplic-script" src="https://mapplic.com/mapplic.js"></script></mapplic-map>', 'area_map_url': None, 'calendly_url': 'https://calendly.com/sales-team-a3c/grove-village-tour', 'homepage_thumbnail': <MediaCollection: Media Collection: Homepage Thumbnail>, 'dare_to_compare_pdf': <MediaCollection: Media Collection: Dare to Compare Pdf>, 'from_price_text': None, 'google_my_business_url': 'https://maps.app.goo.gl/ezDCxUGFGb5eQsoY7', 'compare_heading': None, 'compare_paragraph': '', 'compare_button_text': None, 'compare_modal_heading': None, 'compare_modal_paragraph': '', 'compare_modal_image': <MediaCollection: Media Collection: Compare Modal Image>, 'community_location_and_events_image': <MediaCollection: Media Collection: Community Location and Events Image>, 'community_location_and_events_url': None, 'brochure_url': None, 'lasso_ty_id': None}, 'min_sqft': 1806, 'max_sqft': 2455, 'bedrooms_range': (3, 5), 'bath_count_range': (2.5, 3.0), 'min_price': 719990}

Grove Village

Santa Rosa
1,806 - 2,455 Sq. Ft. | 3 - 5 Bedrooms
2.5 - 3 Bathrooms
LEARN MORE
{'name': 'Fox Meadow', 'city': 'Santa Rosa', 'thumbnail': <MediaCollectionItem: https://media.homefiniti.com/317/2025/4/10/Fox_Meadows_Street_Scene_Web-1.jpg>, 'href': '/new-homes/ca/santa-rosa/fox-meadow-santa-rosa/', 'sc_data': {'row_': <Row: Fox Meadow>, 'custom_status': 'Now Selling', 'neighborhood_color': '', 'pricing_statement': 'Now Selling', 'card_subtitle': None, 'home_type': '', 'card_description': '', 'sitemap_url': 'https://d554gmj0ofabv.cloudfront.net/2.3/index.html?app=sp&communityId=23318_A_SantaRosa7', 'neighborhood_logo': <MediaCollection: Media Collection: Neighborhood Logo>, 'register_form_image': <MediaCollection: Media Collection: Register Form Image>, 'community_promo_video': <MediaCollection: Media Collection: Community Promo Video>, 'community_images': <MediaCollection: Media Collection: Community Images>, 'features_gallery': <MediaCollection: Media Collection: Features Gallery>, 'features_text': '<ul><li>Solar Power System (included and owned!)</li><li>Upgraded Quartz or Granite Kitchen Countertops</li><li>Shaker Cabinetry with Soft Closing Drawers and Doors</li><li>Frigidaire Stainless Steel Appliances</li><li>Water Filtration System At Kitchen Sink</li><li>Smart Learning Thermostat</li><li>Dual-Glazed Window Insulation Against Hot &amp; Cold</li><li>Attached Two-Car Garage</li></ul>', 'area_map_embed': '<mapplic-map data-json="https://mapplic.com/getMapData?id=u486CUgBJntShnB1mozO"><script type="text/javascript" id="mapplic-script" src="https://mapplic.com/mapplic.js"></script></mapplic-map>', 'area_map_url': None, 'calendly_url': 'https://calendly.com/sales-team-a3c/fox-meadow-tour', 'homepage_thumbnail': <MediaCollection: Media Collection: Homepage Thumbnail>, 'dare_to_compare_pdf': <MediaCollection: Media Collection: Dare to Compare Pdf>, 'from_price_text': None, 'google_my_business_url': 'https://maps.app.goo.gl/jk6Am5ZVRTvEKf7x9', 'compare_heading': None, 'compare_paragraph': '', 'compare_button_text': None, 'compare_modal_heading': None, 'compare_modal_paragraph': '', 'compare_modal_image': <MediaCollection: Media Collection: Compare Modal Image>, 'community_location_and_events_image': <MediaCollection: Media Collection: Community Location and Events Image>, 'community_location_and_events_url': None, 'brochure_url': None, 'lasso_ty_id': None}, 'min_sqft': 1745, 'max_sqft': 2743, 'bedrooms_range': (3, 5), 'bath_count_range': (2.5, 4.0), 'min_price': 823990}

Fox Meadow

Santa Rosa
1,745 - 2,743 Sq. Ft. | 3 - 5 Bedrooms
2.5 - 4 Bathrooms
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Eginhouse

Artesia
1,342 - 1,875 Sq. Ft. | 3 Bedrooms
2.5 - 3.5 Bathrooms
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Concord Court

Compton
1,356 - 1,582 Sq. Ft. | 3 - 4 Bedrooms
2.5 - 4 Bathrooms
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Parkside at Cherry Blossom Row

Richmond
1,318 - 1,596 Sq. Ft. | 3 - 4 Bedrooms
3 - 4 Bathrooms
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