Long-Term Rate Lock Offered Through M/I Financial, LLC

Lock in your limited-time, below-market rate* now when you build a home.

Long-Term Rate Lock

Building a home with M/I Homes that hasn't yet started being built?^ Here’s the smart way to save.

If you close by November 30th, 2026, you can lock in the following interest rates—so you don’t have to worry if rates go up later:

  • 30-Year Fixed Conventional Rate: 5.25% Rate** / 5.475%  APR**
  • 30-Year Fixed FHA Rate: 5.25% Rate*** / 6.021%  APR***
  • 30-Year Fixed VA Rate: 5.25% Rate**** / 5.472%  APR****

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

**Conventional Long term lock The interest rate of 5.25 % 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 5.475%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after March 26th, 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 November 30th, 2026. A 1% prepaid lock deposit is due at the time of rate lock. 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 program can be discontinued at any time and without notice.

***FHA Long term lock The interest rate of 5.25 % is based on a 30-year fixed rate FHA loan with a sales price of $500,000 and a loan amount of 482,500. 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 is required. The ANNUAL PERCENTAGE RATE is 6.021% .Program is available on select homes only and applies to new contracts written on or after March 26th,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 November 30th, 2026. A 1% prepaid lock deposit is due at the time of rate lock. Other financing programs may be available with as little as 0% down. 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 program can be discontinued at any time and without notice.

****VA with Long Term Lock The interest rate of 5.25 % 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 is required. The ANNUAL PERCENTAGE RATE is 5.472%. Program is available on selected Quick Move-In homes and applies to new contracts only written on or after March 26th,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 November 30th,2026. A 1% prepaid lock deposit is due at the time of rate lock. 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 program can be discontinued at any time and without notice.

^Available on to-be built homes or homes that have not yet started construction ONLY and must be able to close by November 30th, 2026.