**Financing is provided by HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676). Arizona Mortgage Banker License
#0009265. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. HomeAmerican Mortgage
Corporation’s principal offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237, 866-400-7126, 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 #2073. Licensed by the N.J. Department of Banking and Insurance, the Pennsylvania Department of Banking and
the Virginia State Corporation Commission (VA License Number MC-358). Licensed by the Washington State Department of Financial Institutions (CL-130676).
Example is based on a sales price of $190,000.00 and a 30-year fixed-rate FHA loan with an interest rate of 3.75% and a 3.5% down payment.
The total loan amount, including the upfront mortgage insurance premium, is $186,558.00. Monthly principal and interest payment = $863.98. APR = 4.84%.
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 640.
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. ©2012 Richmond American Homes, Richmond American Homes of Arizona, Inc.; Richmond American
Homes of Colorado, Inc.; Richmond American Homes of Florida, LP, CBC1254135; Richmond American Homes of Maryland, Inc., California
Department 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).