*Embrace Home Loans, Inc. NMLS #2184; 25 Enterprise Center, Middletown, RI 02842, Phone 800.333.3004, www.nmlsconsumeraccess.org. *Financing provided by Embrace Home Loans, Inc. (NMLS #2184) For information please contact Stephen Thaggard (NMLS #356309) by phone at (407.733.6425 or online at www.embracehomeloans.com/stephen-thaggard. Avtec Homes, Inc does not take mortgage applications and is not affiliated with Embrace Home Loans, Inc. Avtec Homes, Inc does not require customers obtain financing from Embrace Home Loans, Inc. or guarantee its products or services. This is not a commitment to lend. Subject to underwriting approval and other conditions. Limited funds available. Eligibility. FHA transactions (min. 660 FICO) only. Conventional transactions (min. 780 FICO) only. Loan amount must be between $300,000 and conforming limits. Must have a completed application in process with lender 30 days prior to rate lock, and close by 10/31/25. Assumptions. The monthly payment on a $380,000 30 year fixed-rate mortgage at an interest rate of 5.490% with a 80% loan-to-value (LTV) would be $2,155.22 with zero points due at closing and an Annual Percentage Rate (APR) of 6.041%. Payment does not include taxes, insurance premiums and certain other fees that will result in a higher monthly payment. Assumptions are based on current market rates and other factors. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, it will increase the APR and monthly payment. Terms are subject to change without notice and may not be available at the time of application. Loan amount and other restrictions may apply in certain areas. Builder-paid closing costs available on select homesites - with use of a preferred lender. The offers apply to contracts fully executed by 9/31/2025. Please see Sales Consultant for more details.