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*FHA – 4.99% (5.718% APR) based on 3.5% down payment
VA – 4.99% (5.199% APR) based on 0% down payment
Conventional- 4.99% (5.040% APR) based on 20% down payment

*For a limited time, Landsea Homes is offering below-market interest rates valid on new home contracts for eligible properties closing by 10/27/2025 (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 costs credit UP TO $15,000 that can be applied toward discount points and/or other settlement costs at closing valid on new contracts closing by 10/27/2025 and applies only to select homesites (the “Promotion”). 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.

***For a limited time, Landsea Homes is offering flex cash UP TO $30,000 on inventory homes completed after 10/27/2025 that can be applied toward purchase price and/or discount points and/or other settlement costs at closing valid on new home contracts for eligible properties (the “Promotion”). Applicants are not required to finance through the Landsea Mortgage; however, the Promotion is only available through Landsea Mortgage. The total flex cash 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.

****The payments stated above are for a FHA loan assuming a FICO score of 640+ and 3.5% down. The payments stated are based on principal and interest only for year 1 of the 1/0 buydown and do not include taxes, insurance or homeowner’s association payments. Your actual payment will be higher. The mortgage insurance premium will vary depending on the loan characterization. Payments and rates may vary based on a borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood insurance may be needed, which could increase the monthly payment and annual percentage rate (APR).

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, LLC. NFM Lending, LLC- NMLS #2893. NFM Lending, LLC is an Equal Housing Lender. NFM Lending, LLC. dba Landsea Mortgage, has a financial relationship with the home builder Landsea Homes and you may choose not to use NFM Lending, LLC 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 LLC’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or depository institution. Landsea Mortgage powered by NFM Lending, LLC Tempe branch is located at 58 S River Dr, Suite 330, Tempe, AZ 85281. Branch NMLS #1490627. Branch licensing information: AZ 0121417. NFM Lending, LLC is licensed by AZ #0934973; FL # MLD174 and MLD795. Copyright © 2025 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.