Lower Payments with 2/1 Buydown

Featuring 1st-year as low as 3.25 Rate*/ 6.06% APR* on a 30-year fixed FHA loan through M/I Financial, LLC.

Details

M/I Financial, LLC now offers you a program that dramatically lowers your payments for the first two years of your loan putting a great new home within your reach.

✅ 2/1 Buydown on a 30-Year Fixed FHA Loan:

Year 1: 3.25% Rate* / 6.06% APR*
Year 2: 4.25% Rate* / 6.06% APR*
Years 3-30: 5.25% Rate* / 6.06%* APR

✅ 2/1 Buydown on a 30-year Fixed VA Loan:

Year 1: 3.25% Rate** / 5.51% APR**
Year 2: 4.25% Rate** / 5.51% APR**
Years 3-30:

5.25% Rate** / 5.51% APR**

✅ 2/1 Buydown on a 30-year Fixed Conventional Loan:

Year 1: 3.875% Rate† / 6.34% APR†
Year 2: 4.875% Rate† / 6.34% APR†
Years 3-30: 5.875% Rate† / 6.34% APR†

*The interest rate of 5.25% is based on a 30-year fixed rate FHA loan with a 2/1 buydown on a sales price of $300,000 and a loan amount of $294,556. Financed amount is $294,556 which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 is required. The 5.25% interest rate is temporarily reduced to 3.25% in year 1, 4.25% in year 2, and will be 5.25% in years 3-30. The ANNUAL PERCENTAGE RATE is 6.06%. Program is available on selected Quick Move-In homes and applies to new contracts only written on or after September 17th 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 28th 2026. Other financing programs may be available with as little as 0% 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.

**The interest rate of 5.25% is based on a 30-year fixed rate VA loan with a 2/1 buydown on a sales price of $300,000 and a loan amount of $306,450. The Financed amount is $306,450 which includes the VA Funding Fee of 2.15%. A 0% down payment and a minimum credit score of 640 is required. The 5.25% interest rate is temporarily reduced to 3.25% in year 1, 4.25% in year 2, and will be 5.25% in years 3-30. The ANNUAL PERCENTAGE RATE is 5.51%. Program is available on selected Quick Move-In homes and applies to new contracts only written on or after September 17th 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 28th 2026. Other financing programs may be available with as little as 3.5% down. The rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Maximum allowable VA county loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply.

†The interest rate of 5.875% is based on a 30-year fixed-rate conventional loan with a 5% down payment with a 2/1 buydown. The sales price is $300,000 with a loan amount of $285,000. PMI will be required and is included in the APR. The 5.875% interest rate is temporarily reduced to 3.875% in year 1, 4.875% in year 2, and will be 5.875% in years 3-30. The ANNUAL PERCENTAGE RATE is 6.34%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after September 17th 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 28th 2026. Other financing options may be available with as little as 3.5% down. The rate is 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.