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TERMS OF OFFERS

DRB Homes: 623-267-2834
Email: rcalamia@drbgroup.com

Limited Time Offer Special 3.99% (6.63% APR) Rate Promotion FHA/VA 5/1 ARM with preferred lender.** Ask a Sales Consultant about latest incentives.*
Copyright © 2026 DRB Homes. All Rights Reserved. DRB Homes and DRB Elevate reserves the right to make changes to speculative homes under construction. Some images are subject to photo likeness and may contain optional structural features and optional interior features and finishes. Colors, exterior finishes, and square footage may vary from pictures and plans. Not all elevations or options shown are available in all communities. Prices are subject to change without notice. Sales in West Virginia by DRB Group Realty, LLC. 205 Butler St Charles Town, WV 25414 Broker: Brittany Newman Real Estate Agent Policy.

**The contents of this website are for informational purposes only, and are neither an offer to sell nor a solicitation of offers to buy real estate in any DRB Homes or DRB Elevate community to residents of New York, New Jersey, or any other jurisdiction where prohibited by law or where prior registration or other advance qualification is required but has not yet been fulfilled. As to such jurisdictions, offers to sell or buy real estate may only be made and accepted in-person at the sales center for the individual DRB Homes or DRB Elevate community. Please inquire if a specific DRB Homes or DRB Elevate community is qualified for sale in your jurisdiction. DRB Homes and DRB Elevate reserves the right to make changes to speculative homes under construction. Some images are subject to photo likeness and may contain optional structural features and optional interior features and finishes. Colors, exterior finishes, and square footage may vary from pictures and plans. Not all elevations or options shown are available in all communities. Prices are subject to change without notice.**

Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC and DRB Homes are not affiliated. DRB Homes is not a lender, mortgage broker, or loan servicer. This is an advertisement of and prepared solely by CrossCountry Mortgage. *3.99% initial interest rate (6.63% APR) shown above is based on a 30-year FHA/VA 5/1 adjustable-rate purchase money mortgage (ARM), a purchase price of $526,990, loan amount of $517,444 (96.5% LTV), and a minimum 660 credit score, for the purchase of a single family (1 unit) residence, owner occupied, would result in an initial estimated monthly payment of $2,467.37 for the first five (5) years of the loan. Payment does not include mortgage insurance, property taxes, homeowners insurance, or other applicable property charges, which will increase the total monthly payment. The 3.99% initial interest rate is fixed for the first five (5) years and may adjust beginning in the 65th month of the loan, and every 12 months of the loan thereafter. The adjustable rate is based on the 1-Year U.S. Treasury Index plus a 1.75% margin. The interest rate may increase or decrease by no more than 1 percentage (1%) point at each adjustment and will not exceed 8.99% over the life of the loan. The 3.99% interest rate is a discounted initial interest rate. Rates, terms and availability are subject to change without notice. Borrower must qualify. Additional restrictions may apply. Promotional rate available through applicable seller paid rate buydown. Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029 (www.nmlsconsumeraccess.org). See https://crosscountrymortgage.com/licensing-and-disclosures/state-disclosures/ for a complete list of state licenses. 2406720 24P_86az7gyjw.


Lennar:
At Montecito: 623-239-5307
Horizon II: 623-900-1486
Email: lennarphoenix@lennar.com

Promotional FHA 5/1 ARM Rate of 3.99% (7.101% APR)¹ + receive up to $5,000 Toward Closing Costs² (In addition to discount points paid to lower the rate) with preferred lender. Ask New Home Sales Consultant about the latest incentives.*
¹,² Offer available on select new homes in the Phoenix Metro area if buyer signs and delivers a purchase agreement between 10/19/26 and 10/25/26 and closes and fully funds on or before 12/31/26. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions. Certain incentives could affect the loan amount. Lennar reserves the right to change or withdraw any offer at any time. Offer requires financing through seller’s affiliate Lennar Mortgage, LLC but use of Lennar Mortgage, LLC is not required to purchase a home (See Affiliated Business Arrangement Disclosure – https://mcv0gwmvppxkjtntxgnb0-0xn53y.pub.sfmc-content.com/2wss1jvor1f). Lennar Mortgage, LLC – NMLS # 1058, Mortgage Banker License # 0904844. 1 Information is based on home price of $450,000. Limited funds are available; rate(s) may change or not be available at the time of loan commitment, lock-in or closing if funds are exhausted. Specific terms apply and buyer is subject to qualification that includes, but not limited to, a minimum of 3.5% down, a minimum credit score of 680, owner occupancy requirements, FHA maximum loan limits, and/or any changes in investor guidelines or programs. Not an offer to enter into an interest rate or discount point agreement and any such agreement may only be made in writing signed by both the borrower and the lender. 2 At closing, Lennar will provide buyer a credit in an amount not to exceed $5,000, as determined on your Loan Estimate, excluding prepaids. Credit funds cannot be used to buy down the rate further. Active Adult Communities: Age restrictions apply to the occupants/owners in this community as permitted under the Fair Housing Act. This means for some communities that a designated percentage of the homes in the community must be occupied by at least one person 55 years or older (80% or 100%, depending on the community). There may also be minimum age requirements for other residents in the home, and/or a certain number of younger residents permitted in the community. These communities publish and adhere to policies and procedures that demonstrate the intent to operate as age 55 or older housing, and comply with HUD’s rules for age verification of residents. In other communities, all residents must be age 62 years or older (with limited exceptions). You are encouraged to review community documents and disclosures for applicable restrictions before purchasing. Please consult with a Lennar New Home Consultant regarding any questions regarding this community’s age policies. Features, amenities, floor plans, elevations, and designs vary and are subject to changes or substitution without notice. Items shown are artist’s renderings and may contain options that are not standard on all models or not included in the purchase price. Availability may vary. Sq. ft. is estimated; actual sq. ft. will differ. Prices do not include closing costs and other fees to be paid by buyer (including a builder fee, if applicable, as described in the purchase agreement) and are subject to change without notice. WARNING: THE CALIFORNIA DEPARTMENT OF REAL ESTATE HAS NOT INSPECTED, EXAMINED OR QUALIFIED THIS OFFERING. This is not an offer in states where prior registration is required. Void where prohibited by law. Copyright © 2026 Lennar Corporation and Lennar Mortgage, LLC. All Rights Reserved. Lennar, the Lennar logo, Lennar Mortgage and the Lennar Mortgage logo are U.S. registered service marks or service marks of Lennar Corporation and/or its subsidiaries. No offer to sell or lease may be made or to purchase or lease may be accepted prior to issuance of an Arizona Public Report. A Public Report is available at the State Real Estate Department website www.azre.gov. Seller’s broker: Lennar Sales Corp. Constructed by Lennar Arizona Construction, Inc., ROC 228129B. Lennar Arizona LLC d/b/a Lennar Homes, ROC 232731B. Lennar Communities Development, LLC, ROC 137295KA. Date 10/26



Richmond American:
Estates at Montecito: 623-288-0570
Portfolio at Lucero: 623-294-6820
Portfolio at Montecito: 623-263-1507
Seasons at Lucero: 623-294-8172
Email: RichmondAmericanEstrella@gmail.com

Come home for the holidays! On select homes, contract by November 15, 2026 to take advantage of loan promotions with preferred lender. * ** *** ^ ^^ ^^^ Ask a Sales Associate about latest incentives.*
5.5% (6.244% APR)^* FHA 30-year fixed rate with 3.5% down with preferred lender.
5.999% (6.140% APR)^** Conventional 30-year fixed rate with 10% down with preferred lender.
5.500% (5.796% APR) ^*** VA 30-year fixed rate with 0% down with preferred lender.
*Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between September 01, 2026, and November 15, 2026 inclusive, and close on or before December 31, 2026, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. Actual amount of closing cost assistance cannot exceed buyer’s actual closing costs. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate FHA loan with an interest rate of 5.500% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $3,094.15. APR = 6.244%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 96.5% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the lesser of the county limit or $832,750. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

**Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between September 01, 2026, and November 15, 2026 inclusive, and close on or before December 31, 2026, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. Actual amount of closing cost assistance cannot exceed buyer’s actual closing costs. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate conventional loan with an interest rate of 5.999% and a 10.00% down payment. The loan amount is $499,500. Monthly principal and interest payment = $2,994.43. APR = 6.140%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 90% loan-to-value ratio, a maximum loan amount of $832,750, qualification using full documentation and a minimum FICO score of 780. Other loan-to-value ratios, FICO scores, second homes and investment properties may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

***Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between September 01, 2026, and November 15, 2026 inclusive, and close on or before December 31, 2026, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. Actual amount of closing cost assistance cannot exceed buyer’s actual closing costs. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate VA loan with an interest rate of 5.500% and no down payment. The total loan amount, including the VA Funding Fee, is $573,315. Monthly principal and interest payment = $3,255.22. APR = 5.796%. Taxes and hazard insurance premiums are not calculated in the above payment and actual payment will be higher. Veterans who do not have full entitlement may have to make a down payment. Financing is available to owner occupants only who are qualified to participate in mortgage loan programs offered by the Department of Veterans Affairs and is subject to legal requirements and availability, a maximum loan amount of $832,750, a debt-to-income ratio of 41% or less, a maximum 100% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

HomeAmerican Mortgage Corporation’s principal offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237 (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Arizona Mortgage Banker License #0009265.

The Richmond American Homes companies (RAH) and HomeAmerican Mortgage Corporation (HMC) are owned, directly or indirectly, by Sekisui House U.S., Inc. and, therefore, are affiliated companies. RAH and HMC offer services independently of each other, and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, the other company. Your decision to use a company that is not affiliated with RAH or HMC will not affect your ability to obtain products and services from these companies.

Closing dates are subject to change and cannot be guaranteed. Homebuyers may be limited in the structural changes, options, and upgrades which can be made to homes.

©2026 Richmond American Homes, Sekisui House Arizona, Inc. (a public report is available on the state real estate department’s website), Sekisui House Construction AZ, Inc. ROC #206612


Taylor Morrison
CantaMia 55+: 623-254-5348
Lucero Discovery: 623-253-9253
Email: phoenixonline@taylormorrison.com

Secure a Reduce Rate on a New Home Today. * ** Ask a Community Sales Manager about latest incentives.*

Lower your rate for the first 7 years. Secure a Conventional 7/6 Adjustable Rate Mortgage. Enjoy a reduced rate for the first 7 years of your loan. Beginning in year 8, your rate will adjust every 6 months based on market changes when using Taylor Morrison Home Funding, Inc.*

4.25^%/5.49^%APR
*Limited Time Conventional 7/6 Adjustable Rate Mortgage (“ARM”) Interest Rate starting at 4.25%/5.49% APR (“Promotion”) valid on new home contracts entered as of 10/19/26 – 11/1/26 (“Promotion Period”) on select Taylor Morrison quick move-in homes that close on or before 12/31/26 (each, an “Eligible Home”). The advertised Annual Percentage Rate (“APR”) of 5.49% APR is calculated using seller incentives and is based on a Conventional 7/6 ARM, 30-year fully amortizing term, with a Total Purchase Price of $500,000 and a loan amount of $400,000, 20% down payment and 780 median credit score. The initial starting interest rate is 4.25% for 84 months.  After the initial period, the variable interest rate and payment may adjust every six months and is subject to change based on the 30-Day Average Secured Overnight Financing Rate (“SOFR”) index and may be higher or lower after closing plus a margin of 2.75%. The maximum change in the interest rate is up to 5% at the first adjustment, up to 1% every six months thereafter with a maximum lifetime adjustment of 5% (max life interest rate of 9.25%) and your payment will increase. Available for conventional conforming loan limits, owner-occupied only. Taylor Morrison has locked in, through Taylor Morrison Home Funding, Inc. (“Affiliated Lender”), an adjustable interest rate for a pool of funds. Rate is only available for a limited time until pool of funds is either depleted or rate expires. At closing, Seller agrees to pay up to $5,000 towards closing costs, pre-paids, discount points and/or Temporary Buydown Fund.

For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.taylormorrison.com/home-financing prior to submitting offer to qualify for the finance Promotion; (2) use the services of Closing Agent selected only by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria. Seller reserves the right to modify the above finance Promotion terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must use both the Closing Agent selected by Seller and finance through Affiliated Lender to receive the finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Maximum seller contributions apply. Not to be combined with any other incentive offer, except as otherwise expressly set forth above or in an Incentive Addendum to the Purchase Agreement. Other restrictions may apply. Taylor Morrison Home Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Not all Borrowers will qualify. Services not available in all states. Taylor Morrison Home Funding, Inc. NMLS #8588, 495 N. Keller Rd., Suite 550, Maitland, FL 32751. Licensed locations: AL: #8588 | AZ: #BK-0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: #MLD1920 | GA: #52654 | IA: #2026-0147 | ID: #MBL-2080008588 | IN: #66890 | KY: #MC938189 | KS: #MC.0027810 | IN: #DFI-66890 | NV: #NMC-1198098 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135, PH# 866-379-5390) | NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TN: #8588 | TX: #8588 | UT: #14303988 | WA: #CL-8588 | www.nmlsconsumeraccess.org

Conventional Fixed Rate

Available on eligible quick move-in homes in select communities when using Taylor Morrison Home Funding, Inc. Plus, get up to $8,000 in closing costs.

4.99^%/5.07^%APR
Limited Time Fixed Interest Rate 4.99% / 5.07% APR (“Promotion”) valid on new home contracts entered as of 10/1/26 – 10/31/26 (“Promotion Period”) on select Phoenix area quick move-in homes that close on or before 11/13/26 (each, an “Eligible Home”). The advertised Annual Percentage Rate (“APR”) of 5.07% APR is calculated using seller incentives and is based on a Conventional 30-Year fixed rate mortgage with a Total Purchase Price of $500,000 and a loan amount of $400,000, 20% down payment and 780 median credit score. Available for conventional conforming loan limits, owner-occupied only. Taylor Morrison has locked in, through Taylor Morrison Home Funding, Inc. (“Affiliated Lender”), a fixed interest rate for a pool of funds (minimum loan amount $225,000). Rate is only available for a limited time until pool of funds is either depleted or rate expires. At closing, Seller agrees to pay up to $8,000 towards seller paid Temporary Buydown Fund, closing costs, up to one year HOA Dues, pre-paids and/or discount points.

For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.taylormorrison.com/home-financing prior to submitting offer to qualify for the finance Promotion; (2) use the services of Closing Agent selected only by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria. Seller reserves the right to modify the above finance Promotion terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must use both the Closing Agent selected by Seller and finance through Affiliated Lender to receive the finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Maximum seller contributions apply. Not to be combined with any other incentive offer, except as otherwise expressly set forth above or in an Incentive Addendum to the Purchase Agreement. Other restrictions may apply. Taylor Morrison Home Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Not all Borrowers will qualify. Services not available in all states. Taylor Morrison Home Funding, Inc. NMLS #8588, 495 N. Keller Rd., Suite 550, Maitland, FL 32751. Licensed locations: AL: #8588 | AZ: #BK-0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: #MLD1920 | GA: #52654 | IA: #2026-0147 | ID: #MBL-2080008588 | IN: #66890 | KY: #MC938189 | KS: #MC.0027810 | IN: #DFI-66890 | NV: #NMC-1198098 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135, PH# 866-379-5390) | NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TN: #8588 | TX: #8588 | UT: #14303988 | WA: #CL-8588 | www.nmlsconsumeraccess.org

Cash buyers save 8%
Paying in cash? Take advantage of 8% off the base price of your new home, whether you choose a quick move-in home or build from the ground up.
Limited time Cash Buyer Incentive is valid for qualified all-cash buyers only (no mortgage financing). Offer valid on new To-Be-Built or Inventory home contracts entered into as of 10/19/26 – 11/1/26 only (“Promotion Period”) in Taylor Morrison’s select Phoenix Area communities (each, an “Eligible Home”). At Closing, all-cash buyers of an Eligible Home will receive a Purchase Price Reduction of up to 5% of the base price of the home as of the Purchase Agreement Date, subject to the terms and conditions for a cash buyer in the Purchase Agreement. Actual savings will vary by Eligible Home/Community selected and will be reflected on an addendum entered into at the time of contract. Complete details available. Not valid with any other advertised promotions, incentives and/or offers and no substitutions permitted, except as expressly set forth in buyer’s Purchase Agreement. Seller reserves the right to modify the Promotion/Promotion Period prior to contract. 


Toll Brothers: 866-275-4895
Email: azonlinesales@tollbrothers.com

5.49% (6.27% APR)^† FHA 30-Year Fixed-Rate mortgage with as little as 3.5% down with preferred lender. This offer is subject to mortgage rate availability and is limited to select quick move-in homes eligible to close by December 18, 2026. Ask Sales Consultant about the latest incentives.*
†Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions. Not to be combined with any other offer. Valid for new buyers only that sign an Agreement of Sale on select quick delivery homes on or after 10/8/26 and close by 12/18/26. Toll Brothers reserves the right to change or withdraw any offer at any time. Rate subject to limited availability on select quick move-in homes and may expire without notice. Based on $509,224 sales price, $491,401 base loan amount ($500,000 total loan amount with financed FHA upfront mortgage insurance premium), and minimum 660 qualifying credit score. FHA maximum county conforming loan limits apply. Payment factor at 5.49% is $5.67 per $1,000 financed. Rate/program available through Toll Brothers Mortgage Company NMLS #18154 (www.nmlsconsumeraccess.org). See www.TollBrothersMortgage.com for state licensing information. Subject to change without notice and for qualified buyers only; other programs available. Incentives subject to maximum interested party contribution limits based on loan program and down payment. Buyer must complete a Rate Lock Agreement with Toll Brothers Mortgage to secure rate. This is not an offer where prohibited by law. See sales representative for details. 10/2026.


William Ryan Homes: 623-263-4185
Email: pmeyer@wmryan.com or Jspilsbury@wmryan.com

Fall Flex Cash Event. Up to $35,000 cash on quick move-in homes that close by 12/31/26. Ask Sales Consultant about the latest incentives.*
Offer available on quick move-in homes that close by 12/31/26. Use your savings towards closing costs, rate buydown, move in package, landscaping, design options, or any otherarea to help make you move! Contact a sales consultant for more information. Offer, if any, may vary locally and is not available in all Communities, and is subject to certain terms, conditions, and restrictions. See the Sales Team in your desired community for specific details. This offer may not be able to be combined with other offers or discounts unless otherwise noted. Rates, terms, conditions, and other information are subject to change without notice, including market conditions and availability.