Rate Buy Down Disclosures, effective 7/10/2026

30-YEAR - CONV BFC 7/6 ARM - $750,000 AT 4.875% W/20% DOWN

For example, on a 30-year conventional 7/6 adjustable-rate mortgage (ARM) with a sales price of $750,000, a 20% down payment, a $600,000 loan amount, closing fees of $11,943.55, a 780 FICO score, with a note rate of 4.99% (7.442% APR) you would have a monthly principal and interest payments of $3,217.26 for the first seven years of the ARM. Payment example does not include homeowner insurance, taxes, or any HOA fees. Starting in year 8 the ARM interest rate may increase every six (6) months based on the 30-day SOFR index with a 2.75 margin, a 5% maximum first adjustment, a 1% maximum increase at subsequent adjustments with a lifetime cap of 5% over the life of the loan. Rates are subject to agency loan level pricing adjustments for FICO score and loan to value. Olivia Clarke Homes, a dba of Scott Felder Homes, locked in, through Southern Lending Services, a fixed interest rate for a pool of funds made available to homebuyers on certain properties for a limited time. Rates are available until the funds are depleted or promotion expires. The interest rate offered applies only to Olivia Clarke Homes, financed through Southern Lending Services for a borrower’s principal residence. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time without prior notice. Participating in the lock program is not a commitment to lend. Lock program must be mentioned at the time of application and is not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Olivia Clarke Homes. Not applicable with any other offers. Locking the promotional interest rate is the borrower’s responsibility with Southern Lending Services. Locking is done at the borrower’s discretion and all rates/fees quoted are valid only at the time presented. All terms and conditions subject to credit approval, market conditions and availability. Example terms available as of 7/10/2026. ©2026 Southern Lending Services, Ltd. NMLS# 342900. www.SouthernLendingServices.com | [email protected]. Equal Housing Opportunity.