Paloma Ranch

*FHA – 4.99% (5.546% APR) based on 3.5% down payment
VA – 4.99% (5.216% APR) based on 0% down payment

*Offer valid for new contracts on select inventory homes that close on or before 3/31/25. 4.99% fixed rate cannot be combined with other offers. FHA loan APR 5.546% based on available rates as of 12/3/24 with FICO score of 680, sales price of $450,000 and 3.5% down payment on an FHA 30-yr fixed term. VA loan APR 5.216% based on available rates as of 12/3/24 with FICO score of 680, sales price of $450,000 and 0% down payment on a VA 30-yr fixed term. All financing and rate incentives are based on FHA/VA loans and only valid for customers using Landsea Mortgage Powered by S3 Home Loans NMLS # 2395795. Offer excludes Bond/Down Payment Assistance loans. Offer subject to credit approval; not all borrowers will qualify. Additional closing cost amounts, if any, are dependent on the structure of the loan buyer chooses and the responsibility of the buyer. Seller credit cannot exceed actual closing costs, and any unused amounts that cannot be applied will be forfeited. This offer is subject to change or to be discontinued at any time without prior notice. Please contact your Landsea Homes Sales Counselor for further details.

*For a limited time, Landsea Homes is offering below-market interest rates valid on new home contracts for eligible properties entered into as of 1/13/2025 closing by 3/31/2025 (the “Promotion”). Landsea Homes has locked in, through Landsea Mortgage, fixed interest rates using a pool of funds. 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.

**For a limited time, Landsea Homes is offering a closing cost credit that can be applied toward discount points and/or other settlement costs at closing valid on new home contracts for eligible properties closing by 3/31/2025 (the “Promotion”). Closing cost credit varies by community. Applicants are not required to finance through Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage. The total closing cost credit by Landsea Homes, where applicable, is subject to maximum contribution limitations based on mortgage loan program guidelines. Inquire with Landsea Mortgage directly to learn more about its mortgage programs. Other restrictions apply. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law.

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 the 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 the Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage. The total closing cost credit by Landsea Homes is subject to maximum contribution limitations based on mortgage loan program guidelines. Inquire with Landsea Mortgage directly to learn more about its mortgage programs. Other restrictions apply. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law.

This is a co-marketing piece with Landsea Homes. Landsea Mortgage is a Division of NFM, Inc. NFM, Inc. -NMLS #2893. NFM, Inc. is an Equal Housing Lender. NFM, Inc. dba Landsea Mortgage, has a financial relationship with the home builder Landsea Homes and you may choose not to use NFM Inc, 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, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or depository institution. Landsea Mortgage powered by NFM Tempe branch is located at 58 S River Drive, Suite 330, Tempe, AZ 85288. Branch NMLS #1490627. Branch licensing information: AZ 0121417. NFM, Inc. d/b/a NFM Lending. NFM, Inc. is licensed by AZ #0934973; MLOs and company are CA licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. CA #6039416 and 4131349; CO #2893; FL # MLD174 and MLD795; TX # 2893. Copyright © 2025 NFM, Inc. dba NFM Lending. America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.