*Charter Homes & Neighborhoods (“Charter Homes”) is making this offer (this “Offer”) available on a limited number of homes, subject to certain terms, conditions, and restrictions. This Offer may not be available on all homes or in all neighborhoods. Offer terms, conditions, incentives, and seller contributions, if any, may vary by home or neighborhood.  This Offer is valid only for new buyers that sign a Sales Agreement on select homes on or after 1/14/2026, and close on that home by 04/14/2026. Charter Homes reserves the right to change or withdraw this Offer at any time. This Offer may expire without notice.

This Offer is based on the buyer obtaining mortgage financing through Charter Homes’ Preferred Lender.  This Offer is based on the buyer’s eligibility for a FHA or VA 30-year fixed rate mortgage loan with the following minimum buyer eligibility criteria:  3.5% down payment and a 600 FICO Score for an FHA loan or 0% down payment and 660 FICO Score for a VA loan.  For illustration, an FHA or VA loan with an original principal balance of $320,000.00 would have a monthly principal and interest payment of $1,645.25 per month, not including taxes, insurance, other escrow charges, mortgage insurance premiums or other fees.  For a conventional, conforming loan, a 30-year fixed rate of 4.75% | 4.91% APR can be offered with the following minimum buyer eligibility criteria:  a 20% down payment and a 780 FICO Score. For illustration, a loan with an original principal balance of $320,000.00 would have a monthly payment of $1,669.27 per month, not including taxes, insurance, other escrow charges, mortgage insurance premiums or other fees.

Any loan obtained in connection with this Offer may be subject to additional fees, closing costs, and pricing adjustments based on the buyer’s eligibility and the actual and final loan terms. Some buyers may not qualify for this Offer. Contact a Charter Homes sales representative for complete details.