*Designer Choice and Move-in ready incentives may not be combined, nor be combined with any other offer. Move-in ready homes must close within 30 days of the date they are signed by the Buyer to receive full incentive. Incentives valid with preferred lending providers only. See agent for details. Subject to change without notice. Offer valid on traditional loan options only. Excludes non-conforming loan products and any down payment assistance programs. ©2026 Valor Communities. Information deemed accurate but not guaranteed. Incentives are not retroactive and are valid only on new contracts written with designated preferred providers. Offer available exclusively through NorthStar Mortgage Advisors. Copyright © 2026. Rate Disclosure: Effective December 12, 2025. Rates as low as 4.99%. Annual Percentage Rate (APR) will vary based on final loan terms, credit profile, and closing costs. Example based on an FHA 30-year fixed-rate mortgage with a 700 credit score: purchase price of $300,000, 3.5% down payment, loan amount of $294,000, estimated principal and interest payment of approximately $1,581 per month. Payment does not include taxes, insurance, HOA dues, or escrows. Actual payment will be higher. Additional Terms: Fixed-rate loan example based on a 740 credit score with up to 5.5% seller-paid concessions and closing costs paid, when available. Seller concessions may be applied toward allowable closing costs and may cover prepaid items such as taxes and insurance; however, prepaid amounts are property-specific and not guaranteed. Discount points may be required to obtain the advertised rate. Rates are subject to daily market changes, credit approval, and underwriting guidelines. Pricing is not a forward commitment or rate lock.