*Information deemed accurate but not warranted. Incentive is not retroactive and is valid only for contracts written with specified preferred providers. Advertised incentive is quoted for an FHA 5/1 Adjustable-Rate Mortgage (ARM) with use of preferred lender, NorthStar. Copyright © 2025. Effective September 30, 2025 — Annual Percentage Rate (APR) 6.11%, estimated down payment of 3.5%, total payments of 360 months. Example based on an FHA 5/1 Adjustable-Rate Mortgage (ARM) with an initial interest rate of 4.00% as of 09/30/2025, current index and margin, and a 700 credit score. A minimum of 0.50 discount point must be paid to Northstar Mortgage Advisors to obtain this rate. A real estate transaction with a purchase price of $300,000, 3.5% down payment, and a loan amount of $294,000 would have an estimated initial monthly principal and interest payment of $1,763. After the initial 5-year fixed period, the interest rate may adjust annually according to the terms of the loan and could increase or decrease based on market conditions, which may result in higher or lower payments. Special Incentive: Must contract and be one of the first five buyers to fully execute a purchase agreement to qualify for this offer. 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 September 28, 2025 and is subject to expiring without notice. Valid on select new homes eligible to close by October 31, 2025 in select communities; not all homes will qualify. See agent for details. © 2025 Valor Communities