Use It Your Way Flex Cash Save with FlexCash on beautiful Standard Pacific design upgrades at 50% OFF on Pre-Sales Or use it toward closing costs, up to $8,500 Plus a FREE Move-In Package on Quick Move-In Homes. Either way, it’s your choice!   Limited Time Tax Credits   First-time buyers may now qualify for up to $8,000 in tax credits and current owners may now qualify for up to $6,500. Learn More     Lower Payments For The First Year   Standard Pacific Mortgage can make it happen! You will receive a FREE 1-0 Buydown. Let us help you select the financing program that best suits your needs.  All terms described above, including without limitation prices, programs, floor plans, features and dates, will vary by neighborhood and by home site, are subject to change without notice, and are available for sales contracts signed and accepted between March 5, 2010 and March 31, 2010. Lower payments for the first year apply to 30-year fixed rate loans.  The interest rate is reduced by 1% for months 1 through 12, and then reverts to the full fixed rate for the remaining term of the loan.  The availability of specific mortgage loan types, interest rates, programs and other terms and assistance from Standard Pacific will vary by neighborhood and by home site, and are subject to borrower credit qualification.  Mortgage loan assistance from Standard Pacific is limited to participating lenders.  Other conditions may also apply.  You must consult with a Standard Pacific Sales Representative for full details concerning applicable conditions. Standard Pacific Mortgage, Inc. is licensed by the North Carolina Commissioner of Banks AL-146109-101, 102, L-146109.

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These tips for saving on your home energy bill come from the Standard Pacific Homes Winter 2010 newsletter:

1. Set your thermostat to 68 degrees or lower. According to PSNC, for each degree above 68, your heating bill increases by 8 to 10 percent.

2. Replace or clean your HVAC filters once a month, or more often if needed. This simple task, combined with tip #3, could improve your system’s energy efficiency by as much as 10 percent.

3. Clean your warm-air registers and cool-air returns regularly by vacuuming or dusting. Make sure they are not blocked by furniture or drapes.

4. Use kitchen and bathroom ventilation fans prudently; in just one hour, these fans can pull out a household full of warmed air. Turn fans off as soon as they have done their job.

5. Keep doors to the outside closed. Contrary to popular belief, storm doors are usually not very effective as heat transfer barriers. Always close your primary door after entering or leaving your house.

6. Open shades and/or drapes on sunny winter days to help warm your house — especially any south-facing windows. Close curtains and shades closed at night or on cloudy days to help reduce the amount of heat that escapes.

7. Do not heat unused rooms in your home. Close vents in extra rooms, but do not close more than 20 percent of the total number of vents that your home has.

8. Check the setting on the thermostat of your water heater. Set it to “medium” or to 120 degrees. Heating water to a higher temp than is needed not only increases the amount of energy used, but is also a safety concern.

9. Have a licensed heating technician inspect your system each year. Most offer a service package to inspect twice a year.

10. Turn off all lights, televisions, radios and appliances when not in use.

11. Use low-wattage light bulbs where you can. Consider compact florescent light bulbs (CFLs). Although they cost more than standard incandescent bulbs, they last ten times longer (over five years in many cases) and only use 25 percent of the electricity that conventional bulbs use.

Click on the Map to View Locations  Go HERE to Download Map & Directions   (Quick Move-In = Homes that are completed within 60 Days)       Final 4 Days!   Standard Pacific’s Winter Windfall Sales Event!   Ends January 31st, 2010 Rush to a Standard Pacific Neighborhood to:   - Pick Your Plan –  Choose your favorite plan from any one of our 48 plans and personalize it to fit your lifestyle and individual taste and select from hundreds of the latest options and updgrades from our National Award Winning Design Center.   - Pick Your Payment -  Choose the financing program from Standard Pacific Mortgage that fits your needs.  - FREE Interest Rate Buy-Down - - Standard Pacific Homes will pay all of your closing costs -   - Pick Your Package -  - FREE Move-In Appliance Package & 2″ Faux Wood Blinds on Quick Move-In Homes - (Home must close within 60 days to qualify as Quick Move-In)    -50% Off Design Center Options on To-Be-Built Homes-  Washer Dryer, & Refrigerator & 2″ faux wood blinds / 50% off design center options incentives available only on a purchase of a Standard Pacific Home at any of our active communities in North or South Carolina. Whirlpool washer model WTW5590S (white). Whirlpool dryer model WED5300V (white) Whirlpool refrigerator model ED5FHEXV (white or black). Available on purchases on or after 1/7/10 through the end of the promotion. Homes must be completed and able to close within 60 Days to qualify for the Quick Move-In Package. Closing costs incentive and 1-0 temporary interest rate buy-down available on a purchase of a Standard Pacific Home at any of their active communities in North or South Carolina and closed escrow with Standard Pacific Mortgage. Incentive can be used toward normal lending fees and excludes pre-paids credited by the lender at close of escrow. This credit is not applicable toward any third party fees. All loans subject to credit approval. Purchase contract must be signed between on or after 1/7/10 through the end of the promotion to receive these incentives. Standard Pacific Mortgage, Inc. is licensed by: the North Carolina Commissioner of Banks AL-146109-101, L-146109. See sales for details. 1-28-10

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Click on the Map to View Locations  Go HERE to Download Map & Directions   (Quick Move-In = Homes that are completed within 60 Days)       Hurry In & Reserve Your New Home at:   Standard Pacific’s Winter Windfall Sales Event!   Now through January 31st, 2010 Rush to a Standard Pacific Neighborhood to:   - Pick Your Plan –  Choose your favorite plan from any one of our 48 plans and personalize it to fit your lifestyle and individual taste and select from hundreds of the latest options and updgrades from our National Award Winning Design Center.   - Pick Your Payment -  Choose the financing program from Standard Pacific Mortgage that fits your needs.  - FREE Interest Rate Buy-Down - - Standard Pacific Homes will pay all of your closing costs -   - Pick Your Package -  - FREE Move-In Appliance Package & 2″ Faux Wood Blinds on Quick Move-In Homes - (Home must close within 60 days to qualify as Quick Move-In)    -50% Off Design Center Options on To-Be-Built Homes-  Washer Dryer, & Refrigerator & 2″ faux wood blinds / 50% off design center options incentives available only on a purchase of a Standard Pacific Home at any of our active communities in North or South Carolina. Whirlpool washer model WTW5590S (white). Whirlpool dryer model WED5300V (white) Whirlpool refrigerator model ED5FHEXV (white or black). Available on purchases on or after 1/7/10 through the end of the promotion. Homes must be completed and able to close within 60 Days to qualify for the Quick Move-In Package. Closing costs incentive and 1-0 temporary interest rate buy-down available on a purchase of a Standard Pacific Home at any of their active communities in North or South Carolina and closed escrow with Standard Pacific Mortgage. Incentive can be used toward normal lending fees and excludes pre-paids credited by the lender at close of escrow. This credit is not applicable toward any third party fees. All loans subject to credit approval. Purchase contract must be signed between on or after 1/7/10 through the end of the promotion to receive these incentives. Standard Pacific Mortgage, Inc. is licensed by: the North Carolina Commissioner of Banks AL-146109-101, L-146109. See sales for details. 1-14-10

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Some members of the Standard Pacific Homes – Carolinas sales team have a special wish for you this holiday season. Check it out:

Effective December 11th - December 13th. Prior sales excluded. No Contingent Sales. *4.5% (5.171% APR) Fixed For Life FHA* or Conventional** Interest Rate 60 Day Lock available on all Quick Move – In Homes and Townhomes that can close within 60 Days.       Click on Map or GO Here to Download an All Communities Map  50% Off Design Center Options on Pre-Sales for a limited time New Single Family Plans Now Available at Cureton in Union County from $208,900! New Westbury Ranch Model Now Open!   Open Hours:   Mon. – Thurs. & Saturday: 10 a.m. – 5:30 p.m. Friday: 12 p.m. – 5:30 p.m. Sunday: 1 p.m. – 5:30 p.m.   *Rate example is based on a sales price of $199,900 with 3.5% down payment and minimum credit score of 620. The mortgage is a 30 year-fixed rate FHA loan in the base amount of $192,904 with an interest rate of 4.5% (5.171% APR) and monthly principal and interest payments of $994.52. Monthly taxes, HOA, Mortgage insurance and hazard insurance are additional and are not included in the above payment. **Rate example is based on a sales price of $259,900 with 10% down payment and minimum credit score of 740. The mortgage is a 30 year-fixed rate conventional loan on a base loan amount of $233,910 with an interest rate of 4.5% (4.981% APR) and monthly principal and interest payments of $1,185.19. Monthly taxes, HOA, Mortgage insurance and hazard insurance are additional and are not included in the above payment.  Loan programs are subject to credit approval and are offered through Standard Pacific Mortgage, an Equal Opportunity Housing Lender. Interest rates, loan programs, sales price and payments are estimates only and are subject to change without notice. Restrictions may apply. 4.5% Rates are only valid on non-contingent quick move-in purchases written and accepted between 12/11/09 and 12/13/09 and that can close within 60 days. Sales prior to 12/11/09 are excluded. Financing incentive is included in current incentives and is not in addition to. Rates subject to change or cancellation prior to contract and without notice. Standard Pacific Mortgage, INC. is licensed by: the North Carolina Commissioner of Banks AL-146109-101,-102,L-146109. See sales for details on Pre-Sale incentives and Quick Move-In Interest Rate Incentive. 12-11-09

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STOP WAITING & START GETTING MORE!   One of America’s most trusted homebuilders, Standard Pacific Homes, invites you to see the durable value and unprecedented opportunity to own a superlatively designed, crafted and customer-care supported new home in a neighborhood that makes your life richer and more rewarding. You have an unequalled array of opportunities right now. All you have to do is Tour, Talk and Save!                           Go Here to Download an All Locations Map.   *Loan funds are limited. Available at select neighborhoods on select home sites.  This program is available on loans through Standard Pacific Mortgage, Inc. for sales contracts that are signed and accepted on or before November 15, 2009.  Homes must close on or before December 20, 2009.  Example is based on a sales price of $155,000 with a 3.5% down payment and a minimum credit score of 620.  The loan is a 30-year fixed FHA loan in the amount of $152,193 with an interest rate of 3.75% for 24 months, then an interest rate of 4.75% for the remainder of the loan term (5.447% APR).  Monthly principal and interest payments are $704.83 for 24 months then , $793.91 for the remainder of the loan term.  This example is based on a sales price of $360,000 with a 10% down payment and a minimum credit score of 740.The loan is a 30-year fixed rate conventional conforming loan in the amount of $324,000 with an interest rate of 3.75% for 24 months, then an interest rate of 4.75% for the remainder of the loan term (5.283% APR).  Monthly principal and interest payments are $1,500.49 for 24 months, then $1,690.14 for the remainder of the loan term. Monthly taxes, HOA, mortgage insurance and hazard insurance are additional and are not included in the above payments. Interest rates, loan program, sales price and payments are estimates only and are subject to change without notice.  The loan program and other loan terms described are subject to borrower credit qualification.  For more details, visit your neighborhood sales office to speak with a Standard Pacific Sales Counselor.  Interest rates, loan programs, sales price and payments are estimates only and are subject to change without notice.  Restrictions may apply. Standard Pacific Mortgage, INC. is licensed by: the North Carolina Commissioner of Banks AL-146109-101,-102,L-146109. 10-22-09

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Make a decision that brings you peace of mind at Standard Pacific Homes’ neighborhoods August 20th through August 30th.  Take advantage of the best value in decades and a locked loan rate at selected neighborhoods on selected home sites*. The best time is now! Now is the time to take advantage of everything a buyer’s market can offer.  Greater affordability, lower prices, and at Standard Pacific Homes neighborhoods, quality you can depend on. Lock your loan rate* Purchase your Standard Pacific home August 20th through August 30th and we will lock your loan rate until your new home is completed!  Make your buying power work for you. Why buy from Standard Pacific Homes? Gain the confidence of knowing your homebuilder is nationally recognized for excellence, and has over 40 years of experienced craftsmanship, innovation and award winning service. Make the choice of a lifetime by locking your interest rate August 20th through August 30th*.    Visit a Standard Pacific Homes’ neighborhood today, and select the design and classic character you’ve been waiting for. *Rate lock programs are available on loans through Standard Pacific Mortgage, Inc. for  purchase agreements that are signed and accepted from August 20 through August 30, 2009 at selected neighborhoods on selected home sites.  Rate lock programs and other loan terms described are subject to borrower credit qualification.  For more details, visit your neighborhood sales office and speak with a Standard Pacific Sales Counselor. Interest rates, loan programs, sales prices and payments are estimates only and are subject to change without notice.  Restrictions may apply.  Standard Pacific Mortgage, Inc. is licensed by the California Department of Real Estate, Real Estate Brokers License Number:  01227562; the Florida Department of Financial Services, Banking License Number:  ML0700646 & MLB0701165, MLB100000336, MLB100000337 & MLB100000338; the Texas Savings & Loan Department, License Number: 44665; Standard Pacific Mortgage, Inc. is licensed by the Office of Consumer Credit Commission, License Numbers: 9005-42182, 9005-42813, 9005-48413 and 9005-48414; the Arizona State Department of Banking, Mortgage Banker License Numbers: 0905700, & 0106412; the Colorado Uniform Consumer Credit Code Supervised Lender’s License Numbers:  990089, 990089-001, 990089-002; the Nevada Department of Business and Industry, Mortgage Broker License Number: 2537; the North Carolina Commissioner of Banks AL-146109-101, 102, L-146109.

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