Mortgage Financing & Builder Forward Program Disclaimer

Limited time interest rate of 3.99% (4.744% APR) (“Builder Forward Program’) available on select eligible homes on new contracts entered as of 7/28/26-8/26/26 and closes and fully funds on or before 9/26/26.

Limited funds are available under the Builder Forward Program and rate(s) may change or not be available at the time of loan commitment, lock-in or closing if funds available under the Builder Forward Program are exhausted. The advertised interest rate is available only to qualified borrowers who meet applicable credit, income, asset, occupancy, property, and loan program requirements. The advertised rate and APR are based on a $500,000 purchase price, FHA 30-year fixed rate mortgage with a loan amount of $490,943 (96.5% loan-to-value), 3.5% down payment, and a 640 median credit score. Actual interest rate, APR, monthly payment, loan terms, and closing costs may vary based on borrower qualifications, loan characteristics, and /or changes in market conditions and fluctuations.

The Builder has secured a limited block of below-market interest rates for the Builder Forward Program through a forward commitment with V.I.P. Mortgage, Inc. These rates are available for a limited time until such funds are exhausted and the applicable commitment period has not expired. If the loan does not close before the rate lock expires, an extension may be required and additional costs to borrower may apply.

Participation in the Builder Forward Program is voluntary. Borrowers are free to obtain financing from any lender. However, the interest rate available under the Builder Forward Program is available only through V.I.P. Mortgage, Inc. The Builder does not make credit decisions, participate in underwriting, or receive compensation for referring borrowers to V.I.P. Mortgage, Inc.

This is not a commitment to lend or an offer to enter into an interest rate or discount point agreement. Any such agreement may only be made in writing and signed by both the borrower and V.I.P. Mortgage, Inc. All loans are subject to credit approval, underwriting, appraisal (if applicable), and property eligibility requirements. Rates, APRs, terms, fees, program availability, and qualifications are subject to change without notice. Builder incentives, contributions, and promotional offers are subject to the terms and conditions of the purchase agreement and may affect the final loan amount or financing terms. Offers may not be combined with other promotions unless specifically permitted by the Builder.

Equal Housing Lender

V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA.

V.I.P. Mortgage, Inc. | NMLS ID #145502 | Arizona Mortgage Banker License #BK-0912295