Kinbridge

*Conventional – year 1 is 4.99%, year 2 is 5.99%, year 3 is 6.99% and year 4+ is 7.99% (8.018% APR, based on 20.0% down payment).

**For a limited time, Landsea Homes is offering a 3-2-1 temporary interest rate buydown valid on new home contracts for eligible properties closing by 12/18/2023 (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 (7.99%) will be temporarily lowered by 3 percentage points (4.99%), 2 percentage points the second year (5.99%) and 1 percentage point the third year (6.99%). After that time, your mortgage will revert to the original interest rate (7.99%) 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.

***Up to the first year of HOA dues for eligible homes at Verandah will be prepaid by Landsea Homes. Homeowner will be responsible for ongoing HOA payments thereafter.

****Up to the first two years of Mello-Roos fees for eligible homes at Island View and Waterside at Alameda Marina will be prepaid by Landsea Homes. Homeowner will be responsible for ongoing Mello-Roos payments thereafter.

***** The No Cost Refinance is subject to the refinancing of an outstanding loan originated by Landsea Mortgage that is secured by the same property upon which that borrower previously received from Landsea Mortgage. No Cost Refinance is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The No Cost Refinance may only be used by submitting an application directly to Landsea Mortgage once six satisfactory mortgage payments have been made. Offers vary and are subject to change without notice. Subject to Debt-to-Income and Underwriting requirements. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Some restrictions apply. Borrowers will receive the lender credit towards their closing costs. In some instances, the credit may be less due to loan program restrictions. This lender credit of up to $4,000.00 to include all one-time closing costs, can be redeemed once the loan closes with Landsea Mortgage. This credit excludes prepaid items (taxes, insurance, interest) and cannot exceed 1% of the loan amount. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. This credit expires at 5:00 P.M. EST on 12/31/2026.

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. LTVs can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. Qualifying credit score needed for conventional loans.

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 homebuilder 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 850 West Elliot Road, Suite 101, Tempe, AZ 85284. Branch NMLS #1490627. Branch licensing information: AZ 0121417. NFM, Inc. d/b/a NFM Lending. NFM, Inc. is licensed by AZ #0934973; FL #MLD174 and MLD795. Copyright © 2023.