*Home sales prices are subject to change without notice. Monthly payment reflects principal and interest only and includes all incentives and is for marketing purposes only; not all will qualify. Contracts written with contingencies must have the contingent home close within 30 days of contract signing or 1% of Seller’s contribution will be forfeit. Incentive is not retroactive and is valid only for contracts written with specified preferred providers. Advertised rates offer is valid only for 2/1 rate buydowns with use of preferred lender, NorthStar. Copyright © 2025. NorthStar Mortgage Advisors. DIV. of Canopy Mortgage, LLC 2414 Dallas Hwy. Bldg. 100, Ste. 200 Marietta, GA 30064. (404) 409-0300. Canopy Mortgage is not sponsored by, affiliated with, or acting on behalf of Valor Communities. NMLS Consumer Access #1359687. For licensing info: NMLSconsumeraccess.org. All loans subject to credit and property approval. Effective May 1, 2025, APR (Annual Percentage Rate) 6.821%, estimated down payment of 3.5%, total payments of 360. This is a variable rate loan program; rates and monthly payment amounts are subject to increase after consummation. Based on the initial rate of 5.99% (with a 2/1 buydown), as of 05/01/2025 and the current index margin, a real estate transaction with a purchase price of $300,000, down payment of 3.5%, and loan amount of $289,500 would have 12 initial monthly principal and interest payments at $1,776, followed by 12 monthly payments at $1,949, and followed by 336 monthly payments of $2,135. Payment amounts do not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation. Rates are subject to change without notice. Combining of offers is subject to loan terms and conditions. Offer ends June 1, 2025 and is subject to expiring without notice. See agent for details. © 2025 Valor Communities