IMS Lending - ChicoOPEN HOUSE
5812 Golden Oaks Road
Paradise, CA 95969
$439,000asking price
2 beds · 2 baths · 1,568 sq ft
Saturday, October 31, 2026 · 10:00 AM – 12:00 PM Pacific
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New 2026 home at the end of a cul-de-sac with 2 bedrooms plus a den, 2 baths and an open living, kitchen and dining layout. A generous kitchen island and corner pantry provide workspace and storage. The split floor plan offers privacy, while the den provides flexible space for an office, hobbies or a second living area. Enjoy a spacious backyard, lovely views and owned solar.
FOR THIS PROPERTY
Choose the seller incentive that fits your needs
Seller offers a choice of eligible closing-cost assistance, a temporary or permanent interest-rate buydown, or two upgrades. Upgrade options include one year of landscaping service; an additional year of builder warranty (two years total); installed blinds; four additional solar panels; a bedroom ceiling-fan package; a refrigerator, washer and dryer package; an EV charger; an epoxy garage floor; 10 planted trees with drip irrigation; or four raised garden beds with irrigation. Additional options may be available. Confirm eligibility, value and terms with the listing agent and lender.
Valid through 2026-11-07 Pacific. Subject to the stated conditions and lender/program approval. This incentive is not automatically deducted from the payment examples.
FINANCING THIS HOME
What could the payment look like?
Fixed-rate purchase examples at the $439,000 asking price.
FHA — 3.5% down
FHA · 30-year fixed
$3,501estimated total / month
6.500% interest rate7.309% APR
- Down payment
- $15,365 (3.5%)
- Loan amount
- $431,049
- Principal & interest
- $2,725 / month
- Property taxes
- $457 / month
- Homeowners insurance
- $125 / month
- FHA annual MIP
- $194 / month initially
- Discount points
- 0.512% ($2,207)
- FHA upfront MIP
- $7,414 · financed
Conventional — 20% down
Conventional · 30-year fixed
$2,919estimated total / month
7.000% interest rate7.162% APR
- Down payment
- $87,800 (20%)
- Loan amount
- $351,200
- Principal & interest
- $2,337 / month
- Property taxes
- $457 / month
- Homeowners insurance
- $125 / month
- Discount points
- 1.205% ($4,232)
VA — 0% down
VA · 30-year fixed
$3,380estimated total / month
6.375% interest rate6.735% APR
- Down payment
- $0 (0%)
- Loan amount
- $448,439
- Principal & interest
- $2,798 / month
- Property taxes
- $457 / month
- Homeowners insurance
- $125 / month
- Discount points
- 1.228% ($5,507)
- VA funding fee
- $9,439 · financed
These are illustrations, not approval or a rate lock.
Pricing as of 2026-10-30; valid through 2026-10-31 Pacific, subject to availability and change. 740 FICO per loan officer; purchase of a one-unit single-family primary residence at $439,000; 30-year fixed loans; 30-day lock period quoted. Annual property taxes estimated at 1.25%; homeowners insurance $1,500 annually per quote received October 30, 2026; no HOA. Rates and APRs from initial fee worksheets, subject to change and loan eligibility. Seller incentives are not applied to these examples. VA example assumes eligibility and first-use, nonexempt funding fee of 2.15% financed; no monthly mortgage insurance.
2026 · Butte County, California · 1-unit limits: FHA base loan $541,287; conforming loan $832,750. Sources: HUD and FHFA. FHA upfront mortgage insurance is excluded from its base-loan limit check. Meeting a loan limit does not establish program eligibility.
FHA — 3.5% down
360 monthly principal-and-interest payments of approximately $2,725. Taxes, insurance, HOA dues and mortgage insurance are additional to principal and interest, are included in the estimated total above where applicable, and may change. Mortgage insurance shown is an initial estimate. Down payment does not include other closing costs, prepaid items or reserves. FHA includes 1.75% upfront MIP and 0.55% annual MIP for this loan size, term and LTV. Annual MIP generally lasts the mortgage term. The displayed monthly MIP approximates the first year using the base loan; actual premiums adjust with the scheduled balance. The FHA base-loan limit was checked for the county and unit count shown. Other eligibility requirements are not evaluated.
Conventional — 20% down
360 monthly principal-and-interest payments of approximately $2,337. Taxes, insurance, HOA dues and mortgage insurance are additional to principal and interest, are included in the estimated total above where applicable, and may change. Mortgage insurance shown is an initial estimate. Down payment does not include other closing costs, prepaid items or reserves. At 20% down or more, this conventional estimate does not include PMI.
VA — 0% down
360 monthly principal-and-interest payments of approximately $2,798. Taxes, insurance, HOA dues and mortgage insurance are additional to principal and interest, are included in the estimated total above where applicable, and may change. Mortgage insurance shown is an initial estimate. Down payment does not include other closing costs, prepaid items or reserves. VA loans have no monthly mortgage insurance. The purchase funding fee is 2.15% for the selected use, down payment and exemption status. VA must confirm eligibility and any exemption.
Property and financing information
Jessica Williams, DRE #02178946, Connect Real Estate Group. Source: CRMLS. · MLS #SN26211489
Rates, APRs, terms and programs are subject to change without notice. Not all borrowers qualify; all financing is subject to underwriting approval. Property details, price and open-house schedule are supplied by the listing or hosting team and may change. IMS Lending provides financing information, not a guarantee of listing availability. Financing is subject to credit, income, property, program and underwriting approval. Actual rate, APR, mortgage insurance, insurance availability, cash to close and payment depend on the borrower and lender. This is not a commitment to lend or a prequalification decision. For 2–4-unit properties, occupancy, rental-income and any self-sufficiency requirements need separate review.
Seller incentives are subject to contract terms, program limits and lender approval. No incentive has been applied to financing examples. Insurance estimate is property-specific; coverage and eligibility remain subject to insurer approval.
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https://imschico.com/open-houses/5812-golden-oaks-road-2026-10-31/