The advertised 4.99% is an effective payment rate — an illustration of the buyer’s net monthly housing cost after application of a seller-funded payment subsidy — and is not an interest rate, note rate, or Annual Percentage Rate (APR) offered by any lender. Financing is provided by third-party lenders unaffiliated with Seller; the buyer’s actual note rate, APR, points, and loan terms are determined solely by the lender based on the buyer’s creditworthiness, loan program, and prevailing market conditions, and will exceed 4.99%. Buyers must qualify for, and will remain obligated on, their loan at the full note rate without regard to the subsidy. The subsidy is a contractual obligation of Seller only, is limited in amount and duration, terminates upon resale and may adjust upon refinance, and is subject to program terms, eligibility requirements, availability, and modification or withdrawal at any time without notice. Nothing herein constitutes a commitment to lend, a guarantee of financing, or mortgage, legal, tax, or investment advice. Tax treatment of subsidy payments is not guaranteed; consult your own lender, attorney, and tax advisor. Complete program terms and disclosures available upon request. Equal Housing Opportunity.