*Rate subject to change on select quick move-in homes and may expire without notice. Rate/APR based on $599,900 purchase price, $578,900 loan amount using FHA loan with minimum qualifying credit score of 680. 2/1 Buydown reduces principal and interest payment rate below the 5.500% Note rate for the first two years after closing. Example: 3.50% first year, 4.50% second year, then 5.50% in years 3-30. Principal, interest, mortgage insurance, property tax, insurance and HOA payment estimate of $3,750 in year one, $4,085 in year two, and $4,435 the remain three-thirty years. Available for loan amounts between $250,000 and $764,750. Primary residences only. Additional costs apply for credit scores under 680, which may increase rate/APR. For qualified buyers only, other programs available. Financing provided by U.S. Bank Home Mortgage – David Wiest: NMLS #561109 Annual percentage rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans. Federal Housing Administration (FHA) mortgages are low down payment, fixed-rate home loans with credit score requirements lower than those of conventional mortgages. The FHA guarantees these loans to approved lenders with the intent of helping low-to-moderate income buyers. A 30-year FHA mortgage has a term life of 30 years and a 15-year term is also available. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Incentives subject to maximum interested party contribution limits based on loan program and down payment. Buyer must complete a Rate Lock Agreement with U.S. Bank Home Mortgage to secure rate. Prices subject to change without notice. Not to be combined with any other offer. This is not an offering where prohibited by law. Contact your Mortgage Loan Originator for details. 1/2026

**Offer available on select quick move-in homes at Magnolia by Tim Lewis Communities for a limited time only and subject to change, cancellation, or prior sale without notice. Incentive consists of up to $100,000 in seller-paid upgrades and/or closing cost assistance, which may be applied toward a swimming pool package, closing costs, prepaid items, financing incentives, and/or interest rate buydown, subject to lender guidelines and buyer qualification. No cash value. Buyer must enter into a purchase agreement by the date specified by Seller and close escrow pursuant to contract terms. Pool package, features, specifications, installation timing, and approved pool contractor shall be determined solely by Seller. Actual pool costs may vary based on lot conditions, design selections, permits, utility requirements, and jurisdictional approvals; buyer shall be responsible for any costs exceeding the incentive amount. Financing incentives are available only through Seller’s preferred lender and subject to loan approval, market conditions, and program availability. Incentive may not be combined with any other offers except as expressly permitted by Seller. Equal Housing Opportunity. CA DRE License #01462003

Information, prices, promotions, incentives, features, options, amenities, floorplans, elevations, designs, materials, and dimensions are subject to change without notice. Square footage is approximate. Floorplans and elevations are artist’s conception and are not intended to show specific detailing.

CA DRE license #01462003 / NRED Broker lic. B.1000432

Equal Housing Lender