It’s Now or Never: Year-End Savings Event

**Valid on eligible new contracts written on December 23rd through December 31st, 2024. Financed amount is $333,831 which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 is required. The interest rate applies to a 3/2/1 temporary buy-down on a 30-year FHA Fixed Rate loan. In the first year, the interest rate is 1.875%. In the second year, the interest rate is 2.875%. In the third year, the interest rate is 3.875%.  In years 4 through 30, the interest rate is 4.875%. The ANNUAL PERCENTAGE RATE is 5.6704%. Program is available on selected Quick Move-In homes and applies to new contracts only. Promotion does not apply cancellations, re-writes, 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. The buyer must make a loan application within 48 hours of contract signing and must close by February 28th, 2025. Below-market rate as compared to the weekly Freddie Mac Primary Mortgage Market Survey. Other financing programs may be available with as little as 5% down. 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. Illinois Residential Mortgage License Nationwide Multistate Licensing System and Registry's Consumer Access website (https://nmlsconsumeraccess.org).

***Valid on eligible new contracts written on December 23rd through December 31st, 2024. The promotional rate is based on a $549,990 sales price with a $439,992 loan amount. A 20% down payment and a minimum credit score of 720 is required. The interest rate applies to a 3/2/1 temporary buy-down on a Conventional Fixed Rate Loan. In the first year, the interest rate is 2.875%. In the second year, the interest rate is 3.875%. In the third year, the interest rate is 4.875%. In years 4 through 30, the interest rate is 5.875%. The ANNUAL PERCENTAGE RATE is 5.9391%. Program is available on selected Quick Move-In homes and applies to new contracts only. Promotion does not apply cancellations, re-writes, 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. The buyer must make a loan application within 48 hours of contract signing and must close by February 28th, 2025. Below-market rate as compared to the weekly Freddie Mac Primary Mortgage Market Survey. Other financing programs may be available with as little as 5% down. The rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Conforming Conventional loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply.  Illinois Residential Mortgage License Nationwide Multistate Licensing System and Registry's Consumer Access website (https://nmlsconsumeraccess.org).

†Up to $3,000 in paid closing costs in paid closing costs for Quick Move-In and To-Be-Built contracts apply to buyer's costs, including lender fees, title fees, prepaid escrows, and third-party fees and require the use of M/I Financial, LLC. The amount of closing costs varies by community. Buyers are responsible for the buyer's portion of prorated HOA fees and/or dues. The Seller's contribution is limited to agency limits of 3% to 6% (depending on the percentage of down payment and loan program). Buyer will be responsible for any down payment required by the loan program guidelines and any upfront mortgage insurance premiums. Below market rates also vary by home and community. Financing is offered through M/I Financial, LLC NMLS #50684. Some restrictions apply. Promotional offers are valid on contracts written between between December 23rd through December 31st, 2024 only. Offer subject to change without notice. Contact an NHC or an M/I Financial representative with any questions or to qualify for a home loan.