The Mares Buy Down · A Mares Mortgage Special
Two primary suites. One easier first year.
70 Concepcion St in Esencia's Modena neighborhood, now offered at $835,000, with a lower principal-and-interest payment for your first 12 months when you finance with Mares Mortgage.
Room for two lives under one roof
A 2019 Meritage end unit with a rare dual primary layout: one suite upstairs, one on the main level, each with its own walk-in closet and quartz bath. The open kitchen centers on a large island and farmhouse sink, then opens to a deck made for morning coffee. No one lives above or below you.
Steps from Esencia Sport Park, the North Plunge Pool and pickleball, with Rancho Mission Viejo's trails, clubs and pools beyond.
Listed by Gina Zumbo, HomeSmart, Evergreen Realty · DRE #00969571 · 949-874-2902
The offer
A lighter first year, paid by Mares Mortgage
For eligible buyers who finance with us, Mares Mortgage funds a 1-0 temporary rate buydown. For your first 12 months, your principal-and-interest payment is figured at a rate one percentage point below your note rate. We cover the difference.
Your rate itself never changes, only who pays part of the first year's payment. Taxes, insurance and HOA dues aren't affected. You still qualify at the full note-rate payment, so month 13 shouldn't catch you off guard.
- 1Tell us about your purchase. A short call or the form below.
- 2We review your options. We confirm eligibility and walk you through the numbers.
- 3Funded at closing. If you're approved, the buydown is set up when you close.
Why Mares
Your friendly neighborhood lender since 1993
Mares Mortgage has served South Orange County for more than 30 years from our San Juan Capistrano office, just down the road from Esencia. You'll work directly with Christian, one person you can call or text from pre-approval to keys.
Explore your first-year savings
Tell us a little about you. Christian will reach out within one business day; tour requests go to Gina.
Choosing Mares Mortgage is your decision. You may use any lender or agent to buy this home; the Mares Buy Down applies only to eligible loans funded through Mares Mortgage.