Buyer Programs

4.49% (6.879%) Promotional Rate for at Least Five Years with a 5/1 Adjustable-Rate Mortgage*

*The initial interest rate of 4.49% on a 5/1 Adjustable-Rate Mortgage (ARM) loan is paid for by Stylecraft on select homes with loans closed by November 30, 2026. Rate is fixed for five years. Starting year 6, the rate and payment adjust annually based on market conditions and loan terms. The new rate will be the maximum annual increase of 1%, or the current market rate at the time of adjustment – whichever is lower.

To receive the promotional interest rate, home purchased must be the borrower’s primary residence and buyer must use Kangaroo Home Lending to finance the loan. Rates effective September 29, 2026 are for illustrative purposes only and are subject to change. Promotional rate based on a minimum credit score of 680 and maximum 50% Debt-to-Income Ratio (DTI). When available, lower scores or higher ratios result in higher pricing for the borrower. Promotion available with FHA and VA loans. VA financing up to 100% available based on borrower entitlement. Loan has a 30-year amortization with a fixed rate of interest for the first 5 years, after which the interest rate may adjust every 12 months thereafter for the remainder of the mortgage term using a fully indexed rate (index plus margin rounded to the nearest 0.125%). Initial interest rate adjustment cannot change more than 1%, and thereafter, each subsequent periodic interest rate adjustment cannot change more than 1%. Rate increases are capped at 5% for the life of the loan. Interest rate will never be less than the margin. An interest rate adjustment may increase your monthly payment. Borrowers should consider their financial plans before choosing an ARM. Speak with your loan officer for details. Using a $320,208 purchase price, an FHA loan with 3.5% down has an estimated APR of 6.879%, assuming the maximum annual rate adjustment. With a loan amount of $314,417, including the required

Upfront Mortgage Insurance Premium Fee (UPMIP), the monthly payment for the initial period is $1,591. Payment does not include taxes, insurance premiums, or Mortgage Insurance Premium (MIP). The actual payment amount will be greater. Annual Percentage Rate (APR) varies by loan amount and terms and may increase or decrease after closing.

Additional requirements, restrictions, and underwriting conditions may apply. Not to exceed seller concession limits. Total interested party contributions are subject to limitations. Incentive cannot be combined with other offers and may change without notice. You are NOT required to use Kangaroo Home Lending to purchase your property, but you are required to use Kangaroo to qualify for builder incentives or promotions. Information as of September 29, 2026. Not a commitment to lend. Borrower must meet qualification criteria. Equal Housing Opportunity. Kangaroo Home Lending, LLC | Company NMLS 2400403 | 4094 State Highway 6 South College Station, TX 77845 | Corp Phone: 979-268-7772 Incentive Promotion Advertisement. Information as of September 29, 2026