*FHA – YR 1 1.99%-YR 2 2.99%-YR 3 3.99%-YR 4+ 4.99% (5.724% APR) based on 3.5% down payment
VA – YR 1 1.99%-YR 2 2.99%-YR 3 3.99%-YR 4+ 4.99% (5.199% APR) based on 0% down payment

*For a limited time, Landsea Homes is offering a 3-2-1 Temporary Interest Rate Buydown valid on select homes entered into contract as of 9/30/2025 closing by 10/31/2025 (the “Promotion”). Landsea Homes has locked in, through Landsea Mortgage, fixed interest rates using a pool of funds. Purchase your home today and in the first year your original interest rate (4.99%) will be temporarily lowered by 3 percentage points (1.99%), 2 percentage points the second year (2.99%), and 1 percentage point the third year (3.99%). After that time, your mortgage will revert to the original interest rate (4.99%) from the fourth year through the life of the loan. Interest rates are only available through Landsea Mortgage until funds are either depleted or rates expire. Interest rates are subject to change daily and without notice.

**Appliance Package varies depending on community/home, subject to change based on availability and is valid for select Quick-Move-in Homes that close on or before 10/31/2025. No cash alternative or substitution allowed, except Seller reserves the right in its sole discretion to substitute a package of comparable value if the existing packages are unavailable, in whole or in part, for any reason. Applicant must comply with all eligibility requirements for the promotion stated herein.

Applicants are subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements and/or investor program guidelines—not all applicants will be eligible for the Promotion. For eligibility, an applicant must (1) pre-apply with Landsea Mortgage by visiting www.landseamortgage.com prior to submitting an offer to qualify for the Promotion; (2) utilize the services of Landsea Homes’ closing agent and finance with Landsea Mortgage; and (3) satisfy all other eligibility criteria of Landsea Homes and/or Landsea Mortgage. Applicants are not required to finance through Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage.

This is a co-marketing piece with Landsea Homes. Landsea Mortgage is a Division of NFM Lending, Inc. (FN). NFM Lending, Inc. (FN) – NMLS #2893. NFM Lending, Inc. (FN) is an Equal Housing Lender. NFM Lending, Inc. (FN) dba Landsea Mortgage, has a financial relationship with the home builder Landsea Homes and you may choose not to use NFM Lending Inc (FN), dba Landsea Mortgage as your lender in connection with the purchase of a Landsea Home. You are entitled to shop around for the best lender/real estate company for you. This is not a credit decision or a commitment to lend. Landsea Mortgage cannot predict where rates will be in the future. Make sure you understand the features associated with the loan program you choose and that it meets your unique financial needs. For full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, Inc. (FN)’s NMLS #2893 www.nmlsconsumeraccess.org. NFM Lending, Inc. (FN) is not affiliated with, or an agent or division of, a governmental agency or depository institution. Landsea Mortgage powered by NFM Lending Inc. (FN) Tempe branch is located at 58 S River Dr, Suite 330, Tempe, AZ 85281. Branch NMLS #1490627. Branch licensing information: AZ 0121417. NFM Lending, Inc. (FN) is licensed by AZ #0934973. Copyright © 2025 NFM Lending, Inc. (FN). America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, Inc. (FN) and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

***Assumes a $400,000 purchase price, $392,755, loan amount on a 30-year fixed FHA loan with 3.5% down payment at 5.75% interest (6.659% Annual Percentage Rate) with 0% paid in discount points. 680 minimum FICO Score. Year 1-30 payment of Principal, Interest, Taxes & Insurance (PITI) at $2700.99 at a 5.75% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Not all loan products are eligible for this promotion (bond or down payment assistant programs, for example). Subject to other terms and restrictions. Available for owner-occupied only. New Home Company has locked in, through Universal Lending (“Affiliated Lender”), a fixed interest rate for a pool of funds. Rate is only available for a limited time until pool of funds is either depleted or rate expires for eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Universal Lending Corporation, NMLS ID 2996, www.nmlsconsumeraccess.org, 6430 S. Fiddlers Green Cir., Ste 460, Greenwood Village, CO 80111, 303-758-4969, www.ulc.com. Licensed in: AZ – Mortgage Banker License #0927881. This is not a commitment to lend. 2025.Max Debt-to-Income ratio 45 unless AUS approved, loan amount must meet max HUD County Limits for FHA, mandatory education requirement. Universal Lending Corporation, NML.