*Incentive is not retroactive and is valid only for contracts written with specified preferred providers. Northstar Mortgage Advisors and Valor Communities are not affiliated. Valor Communities is not a lender or mortgage broker. This advertisement was prepared solely by Northstar Mortgage Advisors. Special Rate available only on select homes—speak with a Northstar Mortgage Advisors representative for information about qualifying homes. Advertised rate is based on a permanent interest rate buydown with a note rate of 4.99% (5.739% APR) on a 30-year FHA owner-occupied purchase money loan, with a down payment of 3.5%. For qualified applicants meeting approval criteria, including at least a credit score of 680, which on a $300,000 FHA loan with a down payment of $10,500, would result in an interest rate of 4.99% and an estimated monthly payment of $1,558.87. Down payment assistance not offered for the advertised rate. Additional closing costs will apply in connection with the advertised rate. Rate as of November 6, 2024. Availability of the advertised rate is limited and is on a first-come, first-served basis. Some buyers may not qualify for a loan or the advertised rate. Applicants must qualify for financing at the note rate of 4.99% (5.739% APR). Higher rate or discount points may apply based on applicant characteristics at the time of rate lock. Promotion subject to any applicable governmental and lender restrictions, and will be reduced or withdrawn to the extent required by any such restrictions. Further, promotion void where prohibited by law and shall be limited in all events to the specific terms set forth in the binding contract for the specific home. Northstar Mortgage Advisors, DIV. of Canopy Mortgage, LLC 6588 Church St Douglasville GA 30134. 678-561-2504. NMLS Consumer Access #1359687. All loans subject to credit and property approval. 47332 Georgia Residential Mortgage Licensee: 47332. South Carolina Residential Mortgage Licensee: 1359687 www.nmlsconsumeraccess.com. Advertised payment example does not include taxes, insurance, or other escrows; actual payment obligation will be greater. All loans subject to credit and property approval. Rates, terms, and availability are subject to change without notice. Combining of offers is subject to loan terms and conditions. Offer ends November 9, 2025 and is subject to expiring without notice. Valid in select communities; not all homes will qualify. See agent for details. © 2025 Valor Communities