Lower Payments with 2/1 Buydown

**The payment is based on a $414,508 sales price with a $400,000 loan amount. The financed amount is $407,000, which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 are required. The 4.875% interest rate applies to a 30-year fixed-rate FHA loan with a 2/1 buy-down. In the first year, the interest rate is 2.875% and the principal and interest payment are $1688.61. In year 2, the interest rate is 3.875% and the principal and interest payment are $1913.86. In years 3 through 30, the interest rate is 4.875% and the principal and interest payments are $2153.88. Payments do not include taxes, insurance, HOA payments, or FHA monthly mortgage insurance, which means your total mortgage payment will be higher. The ANNUAL PERCENTAGE RATE is 5.8772%. The program is available on selected Quick Move-In homes and applies to new contracts only. Promotion does not apply to cancellations, rewrites, or transfers. The seller’s contribution is limited to agency limits, which depend on the loan program and LTV. Buyer must occupy the property as their primary residence and meet all qualification requirements of the program. Promotional rate applies to contracts written by 9/30/2025. The buyer must make a loan application within 48 hours of contract signing and must close by November 30th, 2025. The rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Maximum allowable FHA county loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply.