Elm – Lot 16

*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 10/17/2025 (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 to buy down the Market Interest Rate by 1% within 45 days of the Final Closing Date for delivery of the home (the “Promotion”). Offer is valid on new contracts entered into on or after 08/18/2025 and applies only to select homesites. The Final Closing Date will be provided by Landsea Homes once the home is substantially complete. For purposes of the Promotion, “Market Interest Rate” refers to Landsea Mortgage’s standard interest rate for a Conventional, FHA, or VA loan (as applicable) with no discount points or lender credits (or, if such rate is unavailable, the rate with the fewest discount points and no lender credits), after adjustment for Loan Level Pricing Adjustments based on an eligible borrower’s individual qualifications such as credit score, loan-to-value ratio, occupancy, and property type (the “Adjusted Base Rate”). At closing, Landsea Homes will contribute a closing cost credit equal to the discount points required to reduce the Adjusted Base Rate by up to 1%. The final Adjusted Base Rate will depend on market conditions the Market Interest Rate, calculated at the time of rate lock, which must occur between 15 and 45 days before the Final Closing Date. The total contribution by Landsea Homes is subject to maximum Interested Party Contributions limits under the applicable loan program guidelines. If the applicable contribution limit is less than the amount required to achieve a full 1% rate reduction, the interest rate will be reduced by the maximum amount permitted, which may be less than 1%. Eligible borrowers must meet the following baseline requirements: (a) if a Conventional loan, 10% down payment or more, and occupancy as a primary residence or second home; (b) if a FHA loan, 3.50% down payment or more, and occupancy as a primary residence; or (c) if a VA loan, 0% down payment or more, and occupancy as a primary residence.

***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.