3.5% Interest Rate

Luxury home financing program

Purchase Your Southern Utah Home With Just 20% Down

For a limited time, qualified buyers can take advantage of a preferred financing program designed to make homeownership more accessible while preserving capital for investments, business opportunities, travel, and family priorities.

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Financing highlights

3.5% Interest rate

For the first year

Only 20% down

Finance up to $3,000,000 with a 20% down payment.

Reduced introductory interest rates

Enjoy lower monthly payments during the early years of ownership:

Year	Interest Rate
1	3.5%
2-4	4.5%
5-7	5.5%

$0 origination fee

Finance up to $3,000,000 with a 20% down payment.

Reduced application costs

Application fee of $695 when a checking account is opened with the participating lender.

Available for primary residences & vacation homes

Unlike many financing programs that limit incentives to owner-occupied properties, this program is available for both:

Primary Residences Create a home tailored to your lifestyle while benefiting from reduced financing costs during the first years of ownership.
Vacation & Second Homes Build the Southern Utah retreat your family can gather in while preserving more of your capital for other investments and opportunities.

Explore Move In Ready Homes

Rockaway Retreat Exterior Photo

For sale tag graphic

Rockaway Retreat

Located in Desert Color

Beds: 9
Baths: 11
Sq Ft: 10,661

Photo of Villa Charmonte

For sale tag graphic

Villa Charmonte

Located in Summit View

Beds: 5
Baths: 5.5
Sq Ft: 5,927

Photo of Desert Solace exterior

For sale tag graphic

Desert Solace

Located in Desert Color

Beds: 7
Baths: 8.5
Sq Ft: 5,008

Exterior photo of Villa Bellarose

For sale tag graphic

Villa Bellarose

Located in Summit View

Beds: 6
Baths: 5.5
Sq Ft: 6,139

Why many buyers are choosing to finance

Even buyers with the ability to pay cash often choose financing for one simple reason: Liquidity.

Maintaining access to capital can create flexibility for investment opportunities, business ventures, portfolio growth, and future family goals.

This financing program allows qualified buyers to secure their home while keeping more capital working elsewhere.

Modern open-concept living room with a large plaid sectional and leather ottoman, opening to a pool through glass walls.

Experience luxury without compromise

At Cedar Pointe Homes, we believe building a luxury home should be an exciting and rewarding experience—not a stressful one.

From lot selection and design to construction and final delivery, our team guides you through every step with:

Fixed-price contracts
Transparent communication
Expert craftsmanship
Proven systems and processes
Personalized guidance from start to finish

More than 60 luxury homes completed

We help discerning homeowners create extraordinary spaces designed around how they want to live.

Modern three-story home with wood-trim balconies, stone columns, glass railings and a tall palm tree.

Solterra

White brick estate with steep gabled roofs, stone chimney and stone path under a colorful sunset sky.

Villa Bellarose

Tudor-style brick home with three steep gables, arched front entry and manicured lawn under blue sky.

Villa Charmonte

Coastal craftsman home with cedar shake siding, double stone chimneys and second-story balcony at dusk.

Rockaway Retreat

Frequently asked questions

Can I use this program for a second home?

Yes. The financing program is available for both primary residences and vacation homes.

What is the maximum loan amount?

Financing is available on loans up to $3 million.

Are there origination fees?

No. This program includes a $0 origination fee.

How do I learn if I qualify?

Our team can connect you directly with the participating lender to discuss eligibility and financing options.

Learn more about this financing opportunity

Schedule a private consultation with our team to discuss available homes, custom home opportunities, and financing options.

Explore Your Options

Smiling home builder team in branded grey polos posed together in front of vivid red sandstone canyon walls.