Terms & Privacy

TERMS OF OFFERS

Beazer Homes: 623-404-8461
Email: phoenixhomes@beazer.com
Limited-time Fixed Interest Rate 4.99% (5.362% APR) on Select Quick Move-in Homes with a Choice Lender!* On To-Be-Built homes 50% off the first $30,000 in design center options + Enhanced Kitchen + $7,500 towards closing cost.** Ask a New Home Counselor about latest incentives.
*Offer available at a fixed rate of 4.99% on a pool of limited funds available only from CCM NMLS #208707 and VIP Mortgage NMLS #145502 for select Beazer select homes located in Phoenix, contracted between 7/1/2025-7/31/2025 and closed by 9/30/25 and assumes buyer’s qualification for the lender’s program. Beazer Homes is not acting as a mortgage broker or lender. Loan program and pricing available through CCM NMLS #208707 and VIP Mortgage NMLS #145502.  Monthly payment of $3,130 is for illustrative purposes only and assumes a sales price of $500,000, a down payment of $17, 500 and borrower qualification for an FHA 30-year fixed rate mortgage loan in the amount of $490,950 (including Upfront Mortgage Insurance Premium) with an interest rate of 4.990% (5.362% Annual Percentage Rate(APR)) for the life of the loan. No pre-payment penalty applies. Monthly payment includes principal, interest, estimated taxes, estimated homeowners insurance and monthly mortgage insurance premium only; any other fees such as HOA not included and will result in a greater monthly payment amount. Actual property taxes and homeowners insurance may be higher, resulting in higher monthly payment. Interest rates effective 7/1/25, based on a 660 credit score, and are subject to change without notice. Actual property taxes and homeowners insurance may be higher, resulting in higher monthly payment. Assumes borrower completes credit application, meets established credit guidelines, and sets up a tax and insurance escrow account with lender. Buyer may obtain financing from any qualified lender, but this offer is only available from the lenders named above. This offer is subject to lender underwriting guidelines, which are subject to change without notice, and is available only for owner-occupied homes. CCM NMLS #208707 and VIP Mortgage NMLS #145502 do Business in Accordance with Federal Fair Lending Laws. CCM NMLS #208707 and VIP Mortgage NMLS #145502 are not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. CCM NMLS #208707 and VIP Mortgage NMLS #145502 are approved to participate in FHA programs but the products and services performed by CCM NMLS #208707 and VIP Mortgage NMLS #145502 are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not a lender offer to enter into an agreement. Not all customers will qualify. Rates are subject to change; this is not a commitment to lend. See New Home Counselor for a list of qualifying homes and complete details. (c) Beazer Homes 2025 
*Offer valid only on contracts for to-be-built homes signed between 7/1/25 – 7/31/25 in Acacia Foothills. Receive 50% off all Design Options up to $30,000 in option spend. Maximum Credit is $15,000. Offer varies per community. Options and savings vary depending on home, plan and community, and not all options are available in every home. Pricing, features and availability subject to change without notice. There is no cash or exchange value for this offer, it may not be used to reduce the home’s price, and it may not be combined with any other offers or promotions. Additional restrictions may apply. See New Home Counselor for complete details. ROC #114625 ©2025 Beazer Homes.
**Offer valid only on contracts for To-Be-Built Homes at Acacia, Highpointe, Marbella, Tirreno, or Summit and signed by buyer between 7/1/25 – 7/31/25 in Phoenix that close per the terms of the contract. The Free Upgraded Gourmet Kitchen (includes preselected Whirlpool Appliances: Dishwasher Model: WDT751SAPZ, Oven Model: WOES5030LZ, Cooktop Model: WCE55US0HB, Microwave Model: WMT50011KS, Hood Model: WVW53UC0LS. Buyer must upgrade to Level 2 Cabinets to receive the Gourmet Kitchen Package. Pricing, features, and availability are subject to change without notice. Beazer may substitute similar valued portions of a package, but buyer may make no substitutions or changes. Limit one (1) package per home purchase. There is no cash or exchange value for this offer, it may not be used to reduce the home’s price and it may not be combined with any other offers or promotions. Options and savings vary depending on home, plan, and community, and not all options are available in every home. Additional restrictions may apply. See New Home Counselor for complete details. ROC #114625 ©2025 Beazer Homes.

Brightland Homes: 623-267-2834
Email: jgritton@brightlandhomes.com
Limited Time Offer – Rates as Low as 4.75% | 6.074% APR* Ask a Sales Counselor about latest incentives.*
Special financing rate offer is paid for by Brightland Homes. Offer is for select Brightland Homes contracts signed between 06/03/2025 and 08/04/2025. Buyer must use Brookhollow Mortgage to finance the loan. Not to exceed seller concession limits. Total interested party contributions are subject to limitations. Incentive cannot be combined with other offers and may change without notice. *Interest rates are effective as of 06/04/2025, are for illustrative purposes only, and are subject to change. Interest rate is based on a 30-year FHA loan with a 3.5% down payment and assumes a minimum 640 credit score for the borrower and a max debt-to-income ratio of 50%. Lower scores or higher ratios can result in higher cost or an inability to qualify. For a $508,749 sale price and $499,533 loan amount, the estimated monthly payment is $3,295. Estimated monthly payment includes Principal, Interest, Taxes, Insurance (PITI). Actual payment will vary. Not to exceed seller concession limits. Total interested party contributions are subject to limitations. To receive the promotional interest rates, home purchased must be the borrower’s primary residence. Additional requirements, restrictions, and underwriting conditions may apply. Speak with your loan officer for details. This is not a commitment to lend. Brookhollow Mortgage Services, LTD / Company NMLS 293610 / 6991 East Camelback Road, Suite D-300, Office 331 Scottsdale, AZ 85251 Branch NMLS 1196865 / Corp: 480.330.1616. All loans are subject to qualifying. Interest rate incentive provided by Brightland Homes AZ on select homes locked by 08/04/2025. The initial interest rate on 30-year Adjustable-Rate Loan is 4.75% (6.074% Annual Percentage Rate) for the cost of 0 (zero) Points. For a $522,500 loan, the monthly payment for the initial period is $3,352. Estimated Monthly Payment includes taxes and insurance premiums. The actual payment amount will vary. This has a 30-year amortization with a fixed rate of interest for the first 10 years, after which the interest rate may adjust every six months thereafter for the remainder of the mortgage term using a fully indexed rate (index plus margin rounded to the nearest 0.125%). Initial interest rate adjustment cannot change more than 5%, and thereafter, each subsequent periodic interest rate adjustment cannot change more than 1%. Rate increases are capped at 5% for the life of the loan. Interest rate will never be less than the margin. An interest rate adjustment may significantly increase your monthly payment. Rates listed are based on a 5% down payment for an owner-occupied property and assume the borrower has a minimum 740 credit score. Lower credit scores may result in additional fees to the borrower. Rates are effective as of 06/04/2025 and are subject to change. Additional requirements, restrictions, and underwriting conditions may apply. Speak with your loan officer for details. You are NOT required to use Brookhollow Mortgage as a condition to purchase a home, but you are required to use Brookhollow Mortgage to qualify for certain Brightland Homes incentives or promotions. Brookhollow Mortgage Services, LTD. Company NMLS 293610. AZ BK # 1043370. 15725 N Dallas Parkway, Suite 515 Addison, TX 75001. Corporate Phone: 469-680-3664
©2025 Brightland Homes All rights reserved. Offer valid only on new home contracts that are written between 06/19/25 to 08/04/25 in the Phoenix market only. Offers and special savings vary by series and community, and are only available through the use of the Builder’s trusted lender. See Sales Associate for complete offer details, including the applicable appliance and blind package included with this promotional offer. Deposit amounts are based on the full-option price before the discount. Offers may not be redeemed for cash or equivalent and may not be combined with other promotions or discounts. Offers valid for new contracts only and do not apply to transfers, cancellations or re-writes. No credit will be given for the unused portion of the option allowance. To qualify for Broker compensation, Broker/Agent must accompany the prospect and register on the first visit or have called ahead to schedule an appointment. The Agent’s commission cannot be used to reduce the purchase price of the home. Prices, promotions, incentives, floor plans, elevations, dimensions, specifications, materials and availability of homes are subject to change without notice or obligation. Brightland Homes reserves the right to modify/cancel the promotion at any time. Deposit restrictions and closing guidelines apply. A public report is available at the State Real Estate Department’s website. Brightland Homes of Arizona, LLC, AZ ROC # 281891.

Landsea Homes: 623-257-5760
Email: estrella@landseahomes.com
Rates as low as 2.99% YR 1 | 3.99% YR 2 | 4.99% (5.724% APR) YR 3+ based on 3.5% down payment. For a limited time, Landsea Homes is offering Move-in Ready Package on select Quick Move-in Homes that close by 08/29/25.* ** *** **** Ask a Sales Counselor about latest incentives.
*FHA – YR 1 2.99% – YR 2 3.99% – YR 3+ 4.99% (5.724% APR) based on 3.5% down payment
VA – YR 1 2.99% – YR 2 3.99% – YR 3+ 4.99% (5.199% APR) based on 0% down payment
*For a limited time, Landsea Homes is offering a 2/1 Temporary Interest Rate Buydown valid on new home contracts for eligible properties closing by 8/29/2025 (the “Promotion”). Landsea Homes has locked in, through Landsea Mortgage, fixed interest rates using a pool of funds. Purchase your home today and in the first year your original interest rate (4.99%) will be temporarily lowered by 2 percentage points (2.99%) and 1 percentage point the second year (3.99%). After that time, your mortgage will revert to the original interest rate (4.99%) from the third year through the life of the loan. Interest rates are only available through Landsea Mortgage until funds are either depleted or rates expire. Interest rates are subject to change daily and without notice.
**For a limited time, Landsea Homes is offering to buy down the Market Interest Rate by 1% within 45 days of the Final Closing Date for delivery of the home, valid on new contracts as of 2/20/2025 and applied to select homesites (the “Promotion”). The Final Closing Date will be provided by Landsea Homes once the home is substantially complete. The Market Interest Rate will be based off the Mortgage Bankers Association Weekly Rate Survey, which can be found here: https://www.mortgagenewsdaily.com/mortgage-rates/mba. At closing, Landsea Homes agrees to contribute a closing cost credit toward discount points to buy down the Market Interest Rate by 1%. The total contribution by Landsea Homes is subject to maximum contribution limitations based on mortgage loan program guidelines and excludes loan level pricing adjustments (LLPAs) based on qualifying credit score, loan to value, occupancy and property type. The Promotion assumes (a) a Conventional, fixed-rate loan; 10% down payment or more; 780 credit score or better; and Primary Residence; (b) a FHA, fixed-rate loan; 3.50% down payment; 640 credit score or better; and Primary Residence; or (c) a VA, fixed-rate loan; 0% down payment; 640 credit score or better; and Primary Residence. Interest rates are subject to change daily and without notice. The final interest rate will depend on the Market Interest Rate at the time of requesting to lock, individual qualifications and loan specifics.
***Appliance Package varies depending on community/home, subject to change based on availability and is valid for select Quick-Move-in Homes that close by 8/29/2025. No cash alternative or substitution allowed, except Seller reserves the right in its sole discretion to substitute a package of comparable value if the existing packages are unavailable, in whole or in part, for any reason. Applicant must comply with all eligibility requirements for the promotion stated herein.
****The payments stated above are for a FHA loan assuming a FICO score of 640+ and 3.5% down. The payments stated are based on principal, interest, taxes and insurance only for year 1 of the 1/0 buydown and do not include homeowner’s association payments. Your actual payment will be higher. The mortgage insurance premium will vary depending on the loan characterization. Payments and rates may vary based on a borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood insurance may be needed, which could increase the monthly payment and annual percentage rate (APR).
Applicants are subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements and/or investor program guidelines – not all applicants will be eligible for the Promotion. Loan amounts greater than conforming loan limit or applicable FHA mortgage limit will have additional costs. For eligibility, an applicant must (1) pre-apply with Landsea Mortgage by visiting www.landseamortgage.com prior to submitting an offer to qualify for the Promotion; (2) utilize the services of Landsea Homes’ closing agent and finance with Landsea Mortgage; and (3) satisfy all other eligibility criteria of Landsea Homes and/or Landsea Mortgage. Applicants are not required to finance through Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage.
This is a co-marketing piece with Landsea Homes. Landsea Mortgage is a Division of NFM Lending LLC. NFM Lending LLC – NMLS #2893. NFM Lending LLC. is an Equal Housing Lender. NFM Lending LLC. dba Landsea Mortgage, has a financial relationship with the homebuilder Landsea Homes and you may choose not to use NFM Lending LLC, dba Landsea Mortgage as your lender in connection with the purchase of a Landsea Home. You are entitled to shop around for the best lender/real estate company for you. This is not a credit decision or a commitment to lend. Landsea Mortgage cannot predict where rates will be in the future. Make sure you understand the features associated with the loan program you choose and that it meets your unique financial needs. For full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending LLC NMLS #2893 (www.nmlsconsumeraccess.org). NFM Lending LLC is not affiliated with, or an agent or division of, a governmental agency or depository institution. Landsea Mortgage powered by NFM Lending LLC Tempe branch is located at 58 S River Dr, Suite 330, Tempe, AZ 85288. Branch NMLS #1490627. Branch licensing information: AZ 0121417. NFM Lending LLC. is licensed by AZ #0934973 (dba NFM Consultants, Inc.). Copyright © 2025 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Richmond American Homes: 623-294-8172
Email: tk.fitzpatrick@richmondamericanhomes.com or peter.salomon@richmondamericanhomes.com
Welcome Homes Savings Event – Make payments based on a rate of 3.999% (5.679% APR) for 7 years (84 months) and a max of 8.999% (6.546% APR) for the remaining life of the loan with 30-year, adjustable-rate Conventional financing through HomeAmerican Mortgage Corporation!*. Ask a New Home Sales Specialist about the latest incentives.* ** *** † †† ††† ††††
*Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 3.999% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $2,601.35. APR = 4.726%. 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 $766,550. 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 July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 4.500% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $2,761.17. APR = 5.233%. 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 $766,550. 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 July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 4.999% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $2,925.06. APR = 5.737%. 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 $766,550. 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 July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 4.500% and a 10.00% down payment. The loan amount is $499,500. Monthly principal and interest payment = $2,530.89. APR = 4.621%. 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 $806,500, 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 July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 4.875% and a 10.00% down payment. The loan amount is $499,500. Monthly principal and interest payment = $2,643.40. APR = 5.002%. 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 $806,500, 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 July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 5.375% and a 10.00% down payment. The loan amount is $499,500. Monthly principal and interest payment = $2,797.06. APR = 5.508%. 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 $806,500, 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 July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 3.999% and no down payment. The total loan amount, including the VA Funding Fee, is $573,315. Monthly principal and interest payment = $2,736.76. APR = 4.270%. 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 $806,500, 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.
††Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 4.500% and no down payment. The total loan amount, including the VA Funding Fee, is $573,315. Monthly principal and interest payment = $2,904.90. APR = 4.779%. 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 $806,500, 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.
†††Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between July 15, 2025, and July 21, 2025 inclusive, and close on or before September 30, 2025, 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 4.999% and no down payment. The total loan amount, including the VA Funding Fee, is $573,315. Monthly principal and interest payment = $3,077.33. APR = 5.287%. 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 $806,500, 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.
©2025 Richmond American Homes, Richmond American Homes of Arizona, Inc. (a public report is available on the state real estate department’s website), Richmond American Construction, 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 30-year 7/6 adjustable rate mortgage with no discount fee. Enjoy a 3.75%/5.48% APR 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 our Affiliated Lender, Taylor Morrison Home Funding, Inc. Plus, save up to $8,000 in closing costs.
3.75 %/5.48 % APR
Limited Time Conventional 7/6 Adjustable Rate Mortgage (“ARM”) Interest Rate starting at 3.75% / 5.48% APR (“Promotion”) valid on new home contracts entered as of 7/11/25 – 7/31/25 (“Promotion Period”) on select eligible Phoenix area Quick Move-in Homes that close on or before 8/29/25 (each, an “Eligible Home”). The advertised Annual Percentage Rate (“APR”) of 5.48% APR 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 3.75% for 84 months.  After the initial period, the variable interest rate and payment may adjust every six months and equal the total of the 30-Day Average Standard Overnight Financing Rate (“SOFR”) index (4.305% as of 6/24/25) 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 8.75%) 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 (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, discount points, up to one year HOA dues, closing costs and/or pre-paids. 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: AZ: #0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: MLD1920 | GA: #52654 | IN: #DFI-66890 | NV: #3938 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135 PH# 702-680-1085) | NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TX: #8588 | WA: #CL-8588 | www.nmlsconsumeraccess.org
FHA 30-Year Fixed Rate
4.25 ^%/5.05^%APR. Plus, save up to $8,000 in closing costs.
Limited Time Fixed Interest Rate 4.25% / 5.05% APR (“Promotion”) valid on new home contracts entered as of 7/1/25 – 7/31/25 on all eligible Phoenix area Quick Move-in Homes (each, an “Eligible Home”) that close on or before 8/29/25 (“Promotion Period”).  The advertised annual percentage rate (“APR”) of 5.05% APR is calculated using seller incentives and is based on an FHA 30-Year fixed rate mortgage with a Total Purchase Price of $380,000 and a loan amount of $373,117, 3.5% down payment and 640 median credit score. Available for 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. 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 (each, an “Eligible Home”). 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: AZ: #0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: MLD1920 | GA: #52654 | IN: #DFI-66890 | NV: #3938 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135) PH# 702-680-1085| NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TX: #8588 | WA: #CL-8588 | www.nmlsconsumeraccess.org 
Conventional 30-Year Fixed Rate
4.25 ^%/4.35 ^%APR Plus, save up to $8,000 in closing costs.
Limited Time Fixed Interest Rate 4.25% / 4.35% APR (“Promotion”) valid on new home contracts entered as of 7/1/25 – 7/31/25 on select eligible Phoenix area Quick Move-in Homes (each, an “Eligible Home”) that close on or before 8/29/25 (“Promotion Period”). The advertised annual percentage rate (“APR”) of 4.35% 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, discount points, up to one year HOA dues, closing costs and/or pre-paids. 
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: AZ: #0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: MLD1920 | GA: #52654 | IN: #DFI-66890 | NV: #3938 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135 PH# 702-680-1085) | NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TX: #8588 | WA: #CL-8588 | www.nmlsconsumeraccess.org 
Secure 1% lower than current market rate.
Limited Time Buy Build Flex (“Promotion”) valid on new home contracts entered as of 7/1/25 – 7/31/25 on all select eligible Phoenix area homes (each, an “Eligible Home”). Taylor Morrison has secured, through Taylor Morrison Home Funding, Inc. (“Affiliated Lender”), a pool of funds that may be utilized to reduce interest rate by 1% based upon current market rates posted daily on www.mortgagenewsdaily.com and is available for a limited time or until pool of funds is depleted. Buyer must reserve funds as of the Purchase Agreement Date and may elect to secure rate at any time during construction.  Promotion may be offered in addition to, and not in lieu of, any additional Seller closing cost incentives, if applicable, as outlined in the Incentive Addendum to the Purchase Agreement. Available loan products are Conventional, FHA and VA. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Actual savings will vary by the community, floor plan, lot premium, options of home and availability. Other restrictions may apply.
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) utilize the services of Closing Agent selected only by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an Eligible Home). 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: AZ: #0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: MLD1920 | GA: #52654 | IN: #DFI-66890 | NV: #3938 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135) PH# 702-680-1085| NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TX: #8588 | WA: #CL-8588 | www.nmlsconsumeraccess.org

Toll Brothers: 866-275-4895
Email: azonlinesales@tollbrothers.com
1.99% (5.76% APR)^† First-Year FHA Rate 30-Year Fixed Rate with 3/2/1 Buydown Limited Time Only on Select Homes that close by August 28, 2025.  Sales Event July 19-Aug 3, 2025 – Design Studio Options Up to $40,000 + 1% Closings Costs Credit.* Ask Sales Consultant about the lastest incenitves.*
^{†Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions. Toll Brothers reserves the right to change or withdraw any offer at any time. Not to be combined with any other offer. Rate subject to limited availability on select quick move-in homes and may expire without notice. Valid for new buyers only that sign an Agreement of Sale on select homes on or after 6/25/25 and close by 8/28/25. Buydown reduces principal and interest payments below the 4.99% Note rate for the first three years after closing. Example: 1.99% first year, 2.99% second year, 3.99% third year, then 4.99% in years 4-30. Payment factors per $1,000 financed: 1.99% is $3.69, 2.99% is $4.21, 3.99% is $4.77, 4.99% is $5.36. Based on FHA 30-Year Fixed, $520,000 sales price, and $510,581 total loan amount (incl. financed FHA upfront mortgage insurance premium) and 680 qualifying credit score. Minimum loan amount is $250,000 and maximum loan amount is lesser of the FHA conforming county loan limit or $806,500. For qualified buyers only, other programs available. Additional costs apply for credit score under 680, which may increase rate/APR. Rate/program available through Toll Brothers Mortgage Company: NMLS #18154 (www.nmlsconsumeraccess.org), see TollBrothersMortgage.com for licensing information. 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. Photos are images only and should not be relied upon to confirm applicable features. This is not an offer where prohibited by law. See sales representative for details. 6/2025}
*Offer, if any, is valid for new buyers who purchase a home in a participating community and deposit between 7/19/25 and 8/03/25, sign an agreement of sale, and close on the home. Maximum design studio option credit of $20,000. Closing credit is equal to 1% of purchase price. Financing provided by Toll Brothers Mortgage Company: NMLS #18154 (www.nmlsconsumeraccess.org), AZ: Mortgage Banker License No. BK0903029, www.tollbrothersmortgage.com. Incentives subject to maximum interested party contribution limits based on loan program and down payment. Offer available on select to-be-built and quick move-in homes. Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions. Not all communities, not all home sites, and not all options and upgrades are included in this Sales Event so see the Sales team in your desired community for specific details. Toll Brothers reserves the right to change or withdraw any offer at any time. Prices are subject to change without notice. Not valid with any other offer. Photos are images only and should not be relied upon to confirm applicable features. This is not an offering where prohibited by law. Listing Broker Toll Brothers Real Estate, Inc.

William Ryan Homes: 623-263-4185
Email: pmeyer@wmryan.com
Limited Time Offer – No lot premium. 50% off up to $60,000 in Design Center Options plus $10,000 in Closing Costs or Conventional Rates as low as 4.99% (APR 5.95%) plus $10,000 in Closing Costs.** * Ask a Sales Representative about latest incentives.
**Buyer must spend $60,000 at design center to receive max design incentive of $30,000. Buyer must use builders preferred lender HLX to receive rate buydown and closing costs. 4.99% (APR 5.95%) Promotional Conventional rate Based on 10% Down Payment and 780 Fico score. *Other terms and conditions apply.