**Financing is provided by HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676). HomeAmerican Mortgage Corporation’s principal
offices are located at 4350 S. Monaco Street, Suite 200, Denver, CO 80237, 866-400-7126. Arizona Mortgage Banker
License #0009265. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending
Act. Colorado Mortgage Loan Originator License #LMB100019179. Check the license status of your mortgage loan
originator at http://www.dora.state.co.us/real-estate/index.htm. In Nevada, all advertised loans are offered and
funded by HomeAmerican Mortgage Corporation, 7770 S. Dean Martin Drive, Suite 308, Las Vegas, NV 89139, 702-638-4450,
License #67. Licensed by the N.J. Department of Banking and Insurance and the Virginia State Corporation Commission
(VA License Number MC-358). Licensed by the Washington State Department of Financial Institutions (CL-130676); NMLS
Consumer Access website: http://www.nmlsconsumeraccess.org. Example is based on a sales price of $325,000.00 and a
30-year fixed-rate FHA loan with an interest rate of 3.875% and a 3.5% down payment. The total loan amount, including
the upfront mortgage insurance premium, is $319,113.00. Monthly principal and interest payment = $1,500.59. APR = 5.52%.
Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment and actual payment
will be higher. Program is available to owner occupants only and is subject to availability, a debt-to-income ratio of
43% or less, a maximum 96.5% loan-to-value ratio, FHA maximum loan limits, qualification using full documentation and a
minimum FICO score of 680. Interest rate is not guaranteed and is subject to change without notice.
Promotions must be mentioned at time of contract and are not valid on lot or community transfers, plan changes or in
conjunction with any other promotions. Richmond American reserves the right to change or withdraw these promotions at
any time without notice. ©2013 Richmond American Homes, Richmond American Homes of Arizona, Inc.; Richmond American
Homes of Colorado, Inc.; Richmond American Homes of Florida, LP, CBC1257429; Richmond American Homes of Maryland,
Inc., California Bureau of Real Estate – Real Estate Broker, Corporation License Number 01842595; Richmond American
Homes of Maryland, Inc., MHBR #299; Richmond American Homes of Nevada, Inc., Nevada Contractor License #0026417;
Richmond American Homes of Pennsylvania, Inc.; Richmond American Homes of Virginia, Inc.; Richmond American Homes of
Washington, Inc. In Utah, homes are offered by Richmond American Homes of Utah, Inc. (866-400-4131).