One offer. Your priorities.
Every homebuyer has different priorities. With $150,000 in Flex Credit, you can put the value toward what matters most to you.
LOWER YOUR RATE
Make more room in your monthly budget. Apply your Flex Credit toward an eligible mortgage rate buydown to potentially reduce your monthly payment.
REDUCE CLOSING COSTS
Put more toward what comes next. Use your Flex Credit toward eligible closing costs associated with purchasing your new home.
MAKE IT YOURS
Add the finishing touches. Apply your Flex Credit toward approved upgrades and enhancements to personalize your new home.
See what Flex Credit could mean for your monthly payment.
See how applying a portion of your $150,000 Flex Credit toward a temporary mortgage rate buydown could reduce your monthly payments during your first three years.
An example of Flex Credit at work using a 3-2-1 temporary buydown*
$4,000,000 Home | 25% Down | $3,000,000 Mortgage
| Standard Payment | Year 1 | Year 2 | Year 3 | |
|---|---|---|---|---|
| Interest Rate | 6.50% (6.46% APR) | 3.50%for 12 months | 4.50%for 12 months | 5.50%for 12 months |
| Monthly Mortgage Payment** | $18,962 | $13,471 | $15,200 | $17,033 |
| Monthly Savings | — | $5,490 | $3,761 | $1,928 |
*Monthly mortgage payments shown reflect principal and interest only. Property taxes, homeowners insurance and other applicable charges are not included.
Find your next home.
Explore select Thomas James Homes eligible for $150,000 in Flex Credit through November 15, 2026.
New Homes For Sale In
- All Locations
- Arizona
- Northern California
- Pacific Northwest
- Southern California
Use the filters below to refine your search and discover the home that best fits your needs, with multiple options available in each category.
Your next move starts here.
Found a home that feels right? Our team can help you explore eligible homes, understand your Flex Credit options and take the next step.
**Illustrative financing example only. Based on a $4,000,000 purchase price, $3,000,000 loan amount and $1,000,000 (25%) down payment; 7-year fixed period followed by a 6-month adjustable-rate period; rate and payment may increase after the initial fixed period. Seller-paid temporary buydown cost in the example: $134,166.60, applied from the available Flex Credit. Temporary buydown provides an effective rate of 3.50% in Year 1, 4.50% in Year 2 and 5.50% in Year 3; thereafter payment is based on the 6.50% Note Rate through the initial fixed-rate period. Beginning after Year 7, the interest rate and payment are subject to adjustment. Payments shown are principal and interest only and exclude property taxes, insurance and other applicable charges; actual payment obligation will be greater. Rates, APR, terms and availability subject to change. Buyer must qualify.