Rate Buy Down Disclosures, effective 05/02/25

30-YEAR 20% Down CONV forward COMMITMENT @ 5.49% 

On a 30-year conventional loan with a sales price of $600,000, estimated closing fees of $10,745, a 780 FICO score, with a 20% down payment, a loan amount of $480,000, with a note rate of 5.49% (5.566% APR) there would be 360 monthly principal and interest payments of $2,722.38. Payment example does not include homeowner insurance, taxes, or any HOA fees. 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 Scott Felder Homes, financed through Southern Lending Services for a borrower’s principal residence. Applicable for purchase contracts signed by 5/31/2025. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time without prior notice. Rate is subject to Agency Loan Level Pricing Adjustments for FICO score and Loan to Value. 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 Scott Felder 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 5/2/2025. ©2025 Southern Lending Services, Ltd. NMLS# 342900. www.SouthernLendingServices.com | [email protected].

30-YEAR FHA FORWARD COMMITMENT @ 4.99% 

On a 30-year FHA loan with a sales price of $500,000, estimated closing costs of $10,319.78, a 680 FICO score, a 3.5% down payment, a loan amount of $490,943 which includes upfront mortgage insurance, with a note rate of 4.99% (5.78% APR) there would be 360 monthly principal and interest payments of $2,632.49. Payment example does not include homeowner insurance, taxes, mortgage insurance of $219.66, or any HOA fees. 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 Scott Felder Homes, financed through Southern Lending Services for a borrower’s principal residence. Applicable for purchase contracts signed by 5/31/2025. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time without prior notice. Interest rates are subject to loan level pricing adjustments set by FHA. 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 Scott Felder 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 5/2/2025. ©2025 Southern Lending Services, Ltd. NMLS# 342900. www.SouthernLendingServices.com | [email protected]