* 2-1 Buydown Financing Disclaimer

THIS IS NOT AN OFFER FOR A LOAN. Home Creations is a homebuilder, not a mortgage lender, and does not originate or offer mortgage loans.

The advertised 2-1 temporary buydown program is based on a 30-year fixed-rate mortgage with a 5.99% note interest rate with and APR of 7.093%. Through a temporary payment subsidy, principal and interest payments are calculated using an effective rate of 3.99% during the first year, 4.99% during second year, and the full 5.99% fixed note rate for years 3 -30. The mortgage note rate remains 5.99% throughout the loan term. Monthly payments increase after the first and second years as the temporary subsidy expires.

Payment estimates are provided for informational purposes only and assume a qualified borrower with a 740 credit score, the applicable down payment, and the financing terms displayed. Actual rates, APR, payments, and financing eligibility may vary based on creditworthiness, income, debt-to-income ratio, loan amount, down payment, and lender underwriting requirements.

The promotional buydown is available on select qualifying Home Creations homes and is subject to applicable government-backed loan program requirements, including FHA, VA, or USDA eligibility. Conventional loans, investment properties, and down payment assistance programs are excluded from this promotion.

Estimated payments include only the expenses expressly identified in the calculator. Property taxes, homeowners insurance, mortgage insurance, HOA dues, closing costs, and other applicable fees may increase the total cost of homeownership. Rates, incentives, and program availability are subject to change or withdrawal without notice.

All financing is subject to lender approval. Home Creations does not guarantee loan approval, financing terms, interest rates, or payment amounts. Buyers should consult a licensed mortgage lender for current rates, applicable APR, program qualifications, and an official Loan Estimate.