Move In Now, Pay Less

For a limited time, secure a 2/1 buydown with first-year rates as low as 3.875% Rate* / 5.99% APR* on a 30-year fixed conventional loan through M/I Financial, LLC. Learn more about how you can increase your home buying power today!

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Thinking about buying a new home but worried about high interest rates? Then we have great news!

M/I Financial now offers a program that makes it easier to buy a home today, rather than waiting for interest rates to drop.

Our 2/1 buydown on a 30-year fixed-rate conventional loan* dramatically lowers your payments for the first two years of your mortgage, putting a great new home within your reach

Year 1: 3.875% Rate* / 5.99%APR*
Year 2: 4.875% Rate* / 5.99% APR*
Years 3-30: 5.875% Rate * / 5.99% APR *

📅 Looking to Move Later?

Our extended rate lock on a 30-year conventional fixed loan lets you secure a 6.25% Rate^† / 6.369% APR^† with M/I Financial, LLC on homes that close by April 16, 2027^.†

*The interest rate of 5.875% is based on a 30-year fixed-rate conventional loan with a 20% down payment with a 2/1 buydown. The sales price is $500,000 with a loan amount of $400,000. The 5.875 % interest rate is temporarily reduced in year 1 to 3.875% year 2 to 4.875% and will be 5.875% in years 3-30. The ANNUAL PERCENTAGE RATE is 5.99%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written after October 16th, 2026. Promotion does not apply to cancellations, re-writes, or transfers. The seller’s contribution is limited to agency limits, which depend on the loan program and LTV. Buyers 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 December 23rd, 2026. Other financing options may be available with as little as 5% down. Rates are subject to change without notice and are 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).

†The interest rate of 6.25% is based on a 30-year fixed rate conventional loan with a 20% down payment. The sales price is $500,000 with a loan amount of $400,000. The ANNUAL PRECENTAGE RATE is 6.369%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after October 16th, 2026. Promotion does not apply to 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 April 16th, 2027. If interest rate is lower 30 days prior to closing, buyer may have the option to float down to current market rate. Contact your MIF Loan Officer for more details on the Float-Down option. A 1% prepaid lock deposit due at the time of application/rate lock. Other financing options may be available with as little as 5% down. Rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Conforming Conventional loan limits apply. Funds are limited and program can be eliminated at any time and without notice. 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).