El Dorado

*FHA – YR 1 2.99% - YR 2 3.99% - YR 3+ 4.99% (5.546% APR) based on 3.5% down payment
VA – YR 1 2.99% - YR 2 3.99% - YR 3+ 4.99% (5.216% APR) based on 0% down payment
**Conventional - YR 1 3.75% - YR 2 4.75% - YR 3+ 5.75% (5.839% APR) based on 20% down payment

*For a limited time, Landsea Homes is offering a 2/1 Temporary Interest Rate Buydown valid on new home contracts for eligible properties closing by 3/31/2025 (the “Promotion”). APR based on available rates as of 2/14/25 with a FICO score of 680 and Sales Price of $450,000. Purchase your home today and in the first year your original interest rate (4.99%) will be temporarily lowered by 2 percentage points (2.99%) and 1 percentage point the second year (3.99%). After that time, your mortgage will revert to the original interest rate (4.99%) from the third year through the life of the loan. Interest rates are only available through Landsea Mortgage Powered by S3 Home Loans NMLS# 2395795 until funds are either depleted or rates expire. 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 a 2/1 Temporary Interest Rate Buydown valid on new home contracts for eligible properties closing by 3/31/2025 (the “Promotion”). APR based on available rates as of 2/14/25 with FICO of 740 and Sales price of $450,000. Purchase your home today and in the first year your original interest rate (5.75%) will be temporarily lowered by 2 percentage points (3.75%) and 1 percentage point the second year (4.75%). After that time, your mortgage will revert to the original interest rate (5.75%) from the third year through the life of the loan. Interest rates are only available through Landsea Mortgage Powered by S3 Home Loans NMLS# 2395795 until funds are either depleted or rates expire. 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 a closing costs credit UP TO 6% that can be applied toward customary closing costs and prepaid costs valid on new home contracts for eligible properties closing by 3/31/2025 (the “Promotion”). Excludes loan level pricing adjustments (LLPAs) based on qualifying credit score, loan to value, occupancy, and property type. Closing cost credit varies by community. Applicants are not required to finance through the Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage Powered by S3 Home Loans NMLS # 2395795. 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 Poered by S3 Home Loans 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 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, 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 Dr, Suite 330, Tempe, AZ 85281. 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 (dba NFM Consultants, Inc.). 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.