* Based on a purchase price of $439,000 with 3.5% down payment of $15,365 on an FHA 30 year fixed loan amount of $431,048. Interest rate of 5.425% (6.212% APR) as of 10/8/25. Payment based on Principal & Interest only. Sample payment does not include taxes, insurance or assessments. Actual payment obligation will be greater. Actual amounts, fees, and rates vary depending on each individual borrower's situation and additional factors.

* The buydown subsidy paid by the seller equates to a temporary monthly payment reduction on behalf of the borrower and is based on a payment determined by a lowered interest rate by 3% in the 1st year and 2% in the 2nd year, 1% in the 3rd year, then the full monthly payment applies from years 4-30. Any excess seller subsidy held to offset payments in the first 3 years will be applied to a principal reduction and cannot be used for other required payments such as for property taxes, insurance, late fees, etc. Both temporary and permanent RateReduce options are available from participating builders and sellers on select properties. Buyer paid RateReduce options are also available for qualified borrowers on any approvable property per loan product restrictions. *The aforementioned loan scenario(s) are only examples, based on a fixed 30-year loan. Actual amounts, fees, and rates vary depending on each individual borrower’s situation and additional factors. Closing costs will vary. All amounts and figures are estimates used for comparison purposes only and may not apply to every loan. Borrower must meet all loan program and eligibility requirements. On Q Home Loans and Fulton Homes are not affiliated. This is not a loan commitment. Program availability is subject to change without notice. Rate is effective on 5/9/25. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply.