Disclaimers

*The payment range of $947 to $2,500+ is provided as an example of principal and interest only on the base price of the home. It does not include property taxes, homeowner's insurance, or any applicable HOA fees. Actual monthly payments may be higher. This example also does not include land purchase or site development costs, which are additional and will vary by location and project. Loan terms, interest rates, and buyer qualifications will affect actual payment amounts.

**4.99% Conventional Loan: The advertised loan is for a 30-year Fixed Rate One-Time Close Construction Loan with a 30-year fully amortizing term. During the construction period the interest rate is 7.999% with an APR of 19.189% and an estimated monthly interest-only payment of $1,833.10. Upon completion of construction, the interest rate will convert to the long-term financing fixed interest rate of 4.99% with an APR of 5.87% and a monthly mortgage payment of $2.949. The disclosed APR is based on the payment of 1.5% in discount points and a 1% origination fee. The interest rate quoted assumes a purchase with 60-day lock pricing, conventional loan, $550,000 loan amount, 60% loan-to-value (LTV), land owned free/clear, and a minimum FICO score of 740 on a primary residence. Mortgage payment will be higher with taxes and insurance included.

**VA Loan: This is a VA program. Current guidelines for VA Financing can be found at http://www.benefits.va.gov/homeloans/index.asp. The advertised loan is for a 30-year Fixed Rate One-Time Close Construction Loan with a 30-year fully amortizing term. During the construction period the interest rate is 7.999% with an APR of 19.454% and an estimated monthly interest-only payment of $1,833.10. Upon completion of construction, the interest rate will convert to the long-term financing fixed interest rate of 4.99% with an APR of 5.97% and a monthly principal and interest payment of $2.949. The disclosed APR is based on the payment of 1.5% in discount points and a 1% origination fee. The interest rate quoted assumes a purchase with 60-day lock pricing, VA loan, $550,000 loan amount, 100% loan-to-value (LTV), land owned free/clear, and a minimum FICO score of 740 on a primary residence. Mortgage payment will be higher with taxes and insurance included.

**FHA Loan & First Time Home Buyers Rate: This is an FHA program. Please call your local HUD office to verify or visit http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing. The advertised loan is for a 30-year Fixed Rate One-Time Close Construction Loan with a 30-year fully amortizing term. During the construction period the interest rate is 7.999% with an APR of 19.921% and an estimated monthly interest-only payment of $1,583.13. Upon completion of construction, the interest rate will be converted to the long-term financing fixed interest rate of 4.99% with an APR of 5.914% and a monthly principal and Interest payment of $2,591. The disclosed APR is based on the payment of 1.5% in discount points and a 1% origination fee. The interest rate quoted assumes a purchase with 60-day lock pricing, FHA loan, $475,000 loan amount, 96.5% loan-to-value (LTV), land owned free/clear, and a minimum FICO score of 740 on a primary residence. Mortgage payment will be higher with taxes and insurance included.

**Build now, pay later: The Build Now, Pay Later loan is intended for use during a construction phase until permanent financing is secured. Minimum FICO score of 680 required on a Purchase or Refinance of a Primary Residence. 12-month loan term. Requires 11 monthly interest-only payments of $ 3,662.08 followed by a final balloon payment of $553,662.08 in month 12. Based on $550,000 loan amount with $14,490 in Estimated Closing Costs. 7.990% construction interest rate / 10.196% APR, and 20% required down payment of $137,500 (80% LTV/CLTV - NOTE: Equity from a cross-collateralized property or owned land may be used in lieu of the down payment). The builder (Adair Homes) is responsible for covering the interest-only payments until completion of construction as evidenced by the issuance of the Certificate of Occupancy by the County, or other manner defined by builder. Thereafter, the borrower will assume responsibility for any remaining payments on the construction loan until permanent financing is obtained, at current market rates. Customers with a land loan balance or a home equity line of credit will be required to set up an interest expense.

**3.99% Conventional Loan: The advertised loan is for a 7-year Adjustable Rate Mortgage, One-Time Close Construction Loan with a 30-year fully amortizing term. During the construction period the interest rate is 7.999% with an APR of 19.189% and an estimated monthly interest-only payment of $1,833.10. Upon completion of construction, the interest rate will convert to the long-term financing, 7 year fixed interest rate of 3.99% with an APR of 4.97% and a monthly mortgage payment of $2,622. The disclosed APR is based on the payment of 1.5% in discount points and a 1% origination fee. The interest rate quoted assumes a purchase with 60-day lock pricing, conventional loan, $550,000 loan amount, 80% loan-to-value (LTV), and a minimum FICO score of 680 on a primary residence. Mortgage payment will be higher with taxes and insurance included.

**JUMBO Loan The advertised loan is for a 30-year Fixed Rate One-Time Close Construction Loan with a 30-year fully amortizing term. During the construction period the interest rate is 7.999% with an APR of 19.189% and an estimated monthly interest-only payment of $6,658.10. Upon completion of construction, the interest rate will convert to the long-term financing 30 year fixed interest rate of 5.0% with an APR of 5.97% and a monthly mortgage payment of $5,368. The disclosed APR is based on the payment of 1.5% in discount points and a 1% origination fee. The interest rate quoted assumes a purchase with 60-day lock pricing, $1,000,000 loan amount, 80% loan-to-value (LTV), and a minimum FICO score

**Investment Loan: The advertised loan is for a 30-year Fixed Rate One-Time Close Construction Loan with a 30-year fully amortizing term. During the construction period the interest rate is 7.999% with an APR of 19.189% and an estimated monthly interest-only payment of $1,833.10. Upon completion of construction, the interest rate will convert to the long-term financing fixed interest rate of 5.99% with an APR of 6.97% and a monthly mortgage payment of $3,293. The disclosed APR is based on the payment of 1.5% in discount points and a 1% origination fee. The interest rate quoted assumes a purchase with 60-day lock pricing, conventional loan, $550,000 loan amount, 80% loan-to-value (LTV), and a 740 fico. Mortgage payment will be higher with taxes and insurance included.

*Interest Rate. Your Interest Rate will be based on an Index plus a Margin. The Interest Rate you will pay until the first Rate Change Date is called the Initial Interest Rate. The Index is known as the 30-day Average SOFR. Information about the Index is published by the Federal Reserve Bank of New York. If at some point in the future this Index is no longer available, the Lender will use a replacement as provided in the Note. The Index and Margin will be specified in the promissory note (the "Note") which evidences your ARM loan. The date on which your Interest Rate can be adjusted is called a "Rate Change Date." Your first Rate Change Date will occur on: 7y/6m the first day of the 85th full month after your loan closing, your Initial Interest Rate will be adjusted to reflect your new Interest Rate, subject to theInterest Rate Cap. Subsequent Rate Change Dates will occur on the first day of every 6th calendar month thereafter. Your Interest Rate is determined by adding the Margin to the then-current Index and rounding to the nearest 1/8 of 1%. The most recent Index value available as of the date 45 days before each Change Date is called the Current Index. On the First Rate Change Date, your Interest Rate cannot increase by more than five percentage points (5.0%) or decrease by more than five percentage points (5.0%). At any Subsequent Rate Change Date your Interest Rate will not increase or decrease by more than one percentage point (1.0%). Your Interest Rate will never be less than the Margin; and cannot increase by more than five percentage points (5.0%) over your Initial Interest Rate.

For these Promotional Rates, the actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective Dec 02, 2025 and are subject to change without notice. Must complete the pre-construction meeting within 30 days of the initial contract and loan close within 60 days of the initial contract. Cannot be combined with other offers. The base price must be at the current published retail price as of 12/4/2025. Investor Series pricing excludes rate promotions. Promotion costs may be added to the home price.

†Low-Cost Refinancing: 3rd party fees include lender fees, title fees, recording fees, and do not include discount points or taxes and insurance. Basis Home Loans is an Equal Housing Lender NMLS #2348051; 4400 NE 77th Ave, Suite 100, Vancouver, WA 98662. Corporate phone (855) 589-9507. Promotional Interest Rate(s) are available if the home is financed with Basis Home Loans (NMLS #2348051). You are free to finance your home purchase transaction with any lender you want, but the Promotional Interest Rate(s) and APR(s) shown are applicable if you finance your home purchase with Basis Home Loans.

Basis Home Loans is an Equal Housing Lender NMLS #2348051; 4400 NE 77th Ave, Suite 100, Vancouver, WA 98662. Corporate phone (855) 589-9507. Promotional Interest Rate(s) are available if the home is financed with Basis Home Loans (NMLS #2348051). You are free to finance your home purchase transaction with any lender you want, but the Promotional Interest Rate(s) and APR(s) shown are applicable if you finance your home purchase with Basis Home Loans.