Holiday of Homes

For a limited time, you can secure first-year rates as low as 2.875%** / 5.632% APR** with a 2/1 buydown on a 30-year fixed FHA mortgage or a 3.875% rate*** / 5.9398% APR*** on a 30-year conventional mortgage. These temporary 2/1 mortgage rate buydowns are available for select homes that can close by January 31, 2025.

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Home has a special meaning during the holidays. It’s time spent with family and friends to celebrate holiday traditions.

Enjoy these limited-time seasonal savings through M/I Financial, LLC on select Quick Move-In Homes that close by January 31, 2025:

• Single Family Homes: Receive up to 3% paid closing costs*
• Townhomes: Receive up to 4% paid closing costs⁺

These closing costs could be used for:

✓ 2/1 Rate Buydown on a 30-year FHA fixed-rate mortgage:**

• Year 1: 2.875% Rate** / 5.632% APR**
• Year 2: 3.875% Rate** / 5.632% APR**
• Years 3–30: 4.875% Rate** / 5.632% APR**

✓ 2/1 Rate Buydown on a 30-year conventional fixed-rate mortgage:***

• Year 1: 3.875% Rate*** / 5.9398% APR***
• Year 2: 4.875% Rate*** / 5.9398% APR***
• Years 3–30: 5.875% Rate*** / 5.9398% APR***

Plus, on select townhomes that close by January 31, 2025, you will receive a FREE move-in package ⁺⁺ including the following:

• Free Washer and Dryer
• Free Refrigerator
• Free Blinds

Contact our team today for a list of available homes in your desired neighborhood!

*M/I Homes will pay up to 3% in allowable closing costs on select single family homes with new contracts written on or after 11/18/24 that close by 1/31/25. Available through M/I Financial, LLC (NMLS# 50684), these closing costs will be paid only on primary residence and 1st mortgages. The buyer must make an application within 24 hours of the contract. Some restrictions apply. See New Home Consultant for details.

⁺M/I Homes will pay up to 4% in allowable closing costs on select townhomes with new contracts written on or after 11/18/24that close by 1/31/25. Available through M/I Financial, LLC (NMLS# 50684), these closing costs will be paid only on primary residence and 1st mortgages. The buyer must make an application within 24 hours of the contract. Paid closing costs may vary per home and applies to buyer’s costs, including allowable closing costs, prepaids, and capital contributions fees.  The purchaser is responsible for closing costs in excess of this contribution.  The seller’s contribution is limited to lender limits of 3% to 6% (depending on the percentage of down payment and loan program selected).  The buyer/purchaser is responsible for any down payment required by the loan program guidelines and any upfront mortgage insurance premiums.  See New Home Consultant for specific community incentives. Paid closing costs vary by community and is only available when financing through MI Financial, LLC (NMLS #50684), up to a 3% limit.  Any amounts exceeding this limit is not tied to the use of MI Financial, LLC. Some restrictions apply. See New Home Consultant for details.

**A 3.5% down payment and a minimum credit score of 640 is required. The interest rate applies to a 30-year FHA loan with a 2/1 buy-down. The interest rate is temporarily reduced to 2.875% for year 1, 3.875% for year 2, and 4.875% for years 3–30. The ANNUAL PERCENTAGE RATE is 5.632%. 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 1/31/25. 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.

***A 20% down payment and a minimum credit score of 720 is required. The interest rate applies to a 30-year Conventional Loan with a 2/1 buy-down. The interest rate is temporarily reduced to 3.875% for year 1, 4.875% for year 2, and 5.875% for years 3–30. The ANNUAL PERCENTAGE RATE is 5.9398%. 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 1/31/25. 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.

⁺⁺Free appliance package includes standard washer, dryer, refrigerator, and blinds and are only available on select townhomes.