* Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between January 27, 2025, and February 9, 2025, inclusive, and close on or before March 31, 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. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. 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 $806,500. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

** Flex Funds offer is valid for new buyers who sign new purchase agreements on select homes with Richmond American Homes between January 27, 2025, and February 9, 2025, inclusive, and close on or before March 31, 2025. Participating Richmond American companies will pay an additional $5,000 toward closing costs, a permanent interest rate buydown, or included options when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation (including the Flex Funds) cannot exceed applicable legal and loan program requirements and limitations. Buyer must pay all prepaids. Total closing cost assistance cannot exceed buyer’s actual closing costs. Visit a Sales Center for community-specific details and limitations.

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. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

©2025 Richmond American Homes, Richmond American Homes of Maryland, Inc., California Department of Real Estate – Real Estate Broker, Corporation License Number 01842595