Rates and pricing quotes as of September4, 2026 and shown for illustrative purposes only. Example assumes a 30-year fixed rate conventional loan on Residence #223 at a listing price of $855,000,a 20% down payment ($171,000), a loan amount of $684,000, an owner occupied primary residence, and a qualifying credit and income profile. Payment figures reflect principal and interest only and do not include property taxes, homeowners insurance, HOA dues, or mortgage insurance, all of which will increase your actual monthly payment. The cost of the rate buy-down is paid at closing by the builder as an interested-party contribution and is subject to program, investor, and applicable contribution limits; the incentive is tied to this residence, may require financing through the preferred lender, and may require closing within a specified timeframe. Monthly savings represent the difference in principal and interest between the market rate and the bought-down rate; cumulative savings over 12 months, 5 years, and the full term assume the loan is held for that period and is not refinanced, modified, or paid off early. Rates, points, and program terms are subject to change without notice and are not locked until a formal rate lock is executed. This is not a commitment to lend, a rate lock, or an offer to extend credit. All loans are subject to underwriting approval; program restrictions, terms, and conditions apply. Prices, availability, and incentives are subject to change without notice. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age, sex, marital status, disability, familial status, receipt of public assistance, or any other prohibited basis identified under applicable law. For licensing information, go to www.nmlsconsumeraccess.org. 2026 Guaranteed Rate, Inc. DBA Certainty Home Lending. All Rights Reserved.