Long-Term Rate Lock With M/I Financial

Lock in your limited-time, below-market rate† now with M/I Financial.

Details

Looking to build, but worried about rates? Here’s the smart way to save.

If you close by March 31, 2027, you can lock in the following interest rates—so you don’t have to worry if rates go up later:

5.875% Rate†† / 6.041% APR†† on a 30-year fixed conventional
5.875% Rate‡ / 6.693% APR‡ on a 30-year fixed FHA
5.875% Rate‡‡‡ / 6.108% APR‡‡‡ on a 30-year fixed VA

And here’s the best part: if rates go down before you close, you can still get the lower rate. This one-time option gives you the best of both worlds, protection if rates rise and savings if they fall. It’s all about giving you more confidence and flexibility as you plan your move!

†Below-market rate as compared to the weekly Freddie Mac Primary Mortgage Market Survey.

††Conventional Long-Term Rate Lock - The interest rate of 5.875% is based on a 30-year fixed-rate conventional loan with a 10% down payment. The sales price is $500,000 with a loan amount of $ 450,000. PMI will be required and is included in the APR. The ANNUAL PERCENTAGE RATE is 6.041%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after August 14th, 2026. 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. 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 March 31, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If the interest rate is lower 30 days prior to closing, the buyer has the option to float down to the current market rate. Contact your MIF Loan Officer for more details on the Float-Down option. 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. Funds are limited, and the program can be discontinued at any time and without notice.

‡FHA Long-Term Rate lock - The interest rate of 5.875% is based on a 30-year fixed-rate FHA loan with a sales price of $500,000 and a loan amount of 482,500. The financed amount is $490,943, which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 are required. The ANNUAL PERCENTAGE RATE is 6.693%. Program is available on select homes only and applies to new contracts written on or after August 14th, 2026. 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. The 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 March 31, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If the interest rate is lower 30 days prior to closing, the buyer has the option to float down to the current market rate. Contact your MIF Loan Officer for more details on the Float-Down option. Other financing programs may be available. Rates are subject to change without notice and are 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. Funds are limited, and the program can be discontinued at any time and without notice.

‡‡‡VA Long-Term Rate Lock - The interest rate of 5.875% is based on a 30-year fixed-rate VA loan with a sales price of $500,000 and a loan amount of 500,000. The financed amount is $510,750, which includes the VA Funding Fee of 2.15%for first-time users. Subsequent users may be subject to a higher funding fee. A 0% down payment and a minimum credit score of 640 are required. The ANNUAL PERCENTAGE RATE is 6.108%. Program is available on selected Quick Move-In homes and applies to new contracts only written on or after August 14th, 2026. 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. 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 March 31, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If the interest rate is lower 30 days prior to closing, the buyer has the option to float down to the current market rate. Contact your MIF Loan Officer for more details on the Float-Down option. Other financing programs may be available. The rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply. Maximum allowable VA county loan limits apply. Restrictions do apply. Funds are limited, and the program can be discontinued at any time and without notice.