*Loan promotions are valid for buyers who sign purchase agreements on select homes with Holt Homes between July 01, 2026, and August 07, 2026 inclusive, and close on or before August 31, 2026, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. Actual amount of closing cost assistance cannot exceed buyer’s actual closing costs. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, fixed-rate FHA loan with an interest rate of 3.999% and a 3.50% down payment. Total loan amount, including the upfront mortgage insurance premium, is $544,947. Monthly principal and interest payment = $2,601.35. APR = 4.726%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 96.5% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the lesser of the county limit or $832,750. Not valid on loans already locked with HomeAmerican Mortgage Corporation

^Loan promotions are valid for buyers who sign purchase agreements on select homes with Holt Homes between July 01, 2026, and August 07, 2026, inclusive, and close on or before August 31, 2026, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Funds are limited and are available on a first-come, first-served basis. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation are subject to legal and loan program requirements and limitations. Example is based on a sales price of $555,000 and a 30-year, 7/6 adjustable-rate Conventional mortgage with an initial interest rate of 3.999% (monthly payments 1-84) (5.317% APR). Subsequent rate changes in months 85-360 are based on the fully indexed rate which is 6.375% as of July 01, 2026. APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of July 01, 2026, and are subject to change. The total loan amount is $499,500. 10% down payment required. Monthly principal and interest payments for the first seven years = $2,384.40. After the first seven years, the principal and interest payments adjust every six months based on the 30-day Secured Overnight Financing Rate (SOFR) index plus a 2.75% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 84 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. The payment rate is the interest rate on which the monthly payment is based. Maximum rate increase on first interest rate change date is 5%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 8.999%. The maximum payment amount is $3,693.34. Interest rates after the initial period are based on the index in effect as of July 01, 2026 (3.633%). Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment. Actual payment will be higher and may vary over the life of the loan. Financing is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 90% loan-to-value ratio, a maximum loan amount of $832,750, qualification using full documentation and a minimum FICO score of 780. In Maryland and New Mexico, adjustable-rate loans must qualify at the fully indexed rate or note rate, whichever is higher. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with HomeAmerican Mortgage Co

HomeAmerican Mortgage Corporation’s offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237 (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Oregon License No. ML-5694.
Holt Homes and HomeAmerican Mortgage Corporation (HMC) are owned, directly or indirectly, by Sekisui House U.S., Inc. and, therefore, are affiliated companies. Holt and HMC offer services independently of each other, and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, the other company. Your decision to use a company that is not affiliated with Holt or HMC will not affect your ability to obtain products and services from these companies.

Closing dates are subject to change and cannot be guaranteed. Homebuyers may be limited in the structural changes, options, and upgrades which can be made to homes.
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