* Loan promotions are valid for new buyers who sign purchase agreements on select homes with Richmond American Homes between December 1 and December 17, 2023, and close on or before January 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 2% of the base price of the home (3% in Florida). Example is based on a sales price of $460,000 and a 30-year, 5/1 adjustable-rate FHA mortgage with an initial interest rate of 4.875% (monthly payments 1 – 63) and an interest rate of 5.875% on the first adjustment date (monthly payments 64 – 75) (7.853% APR). Subsequent rate changes in months 76 – 360 are based on the fully indexed rate which is 7.25% as of November 6, 2023. APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of December 1, 2023, and are subject to change. The total loan amount, including the upfront mortgage insurance premium, is $451,668. 3.5% down payment required. Monthly principal and interest payments for the first five years = $2,390.26. After the first five years, the principal and interest payments adjust every 12 months based on the 1-year Constant Maturity Treasury (CMT) Index plus a 2.0% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 60 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. The payment rate is the interest rate on which the monthly payment is based. Maximum rate increase on first interest rate change date is 1%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 9.875%. The maximum payment amount is $3,637.14. Interest rates after the initial period are based on the index in effect as of December 1, 2023 (5.260%). Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment. Actual payment will be higher and may vary over the life of the loan. Financing 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 not to exceed $766,550, qualification using full documentation and a minimum FICO score of 680. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

** Loan promotions are valid for new buyers who sign purchase agreements on select homes with Richmond American Homes between December 1 and December 17, 2023, and close on or before January 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 2% of the base price of the home (3% in Florida). Example is based on a sales price of $460,000 and a 30-year, 5/1 adjustable-rate VA mortgage with an initial interest rate of 4.875% (monthly payments 1 – 63) and an interest rate of 5.875% on the first adjustment date (monthly payments 64 – 75) (7.485% APR). Subsequent rate changes in months 76 – 360 are based on the fully indexed rate which is 7.25% as of November 6, 2023. APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of December 1, 2023, and are subject to change. The total loan amount, including the upfront mortgage insurance premium, is $475,180. 0% down payment required. Monthly principal and interest payments for the first five years = $2,514.69. After the first five years, the principal and interest payments adjust every 12 months based on the 1-year Constant Maturity Treasury (CMT) Index plus a 2.0% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 63 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. The payment rate is the interest rate on which the monthly payment is based. Maximum rate increase on first interest rate change date is 1%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 9.875%. The maximum payment amount is $3,826.47. Interest rates after the initial period are based on the index in effect as of December 1, 2023 (5.260%). Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment. Actual payment will be higher and may vary over the life of the loan. Financing 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 not to exceed $766,550, qualification using full documentation and a minimum FICO score of 680. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

*** Loan promotions are valid for new buyers who sign purchase agreements on select homes with Richmond American Homes between December 1 and December 17, 2023, and close on or before January 31, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 2% of the base price of the home (3% in Florida). Example is based on a sales price of $460,000 and a 30-year, 7/6 adjustable-rate Conventional mortgage with an initial interest rate of 5.375% (monthly payments 1 – 84) and the fully indexed interest rate of 8.125% on the first adjustment date (monthly payments 85 – 360) (8.233% APR). APR is subject to increase or decrease after closing. Interest rates after the initial period are based on rates in effect as of December 1, 2023, and are subject to change. The total loan amount is $414,000. 10% down payment required. Monthly principal and interest payments for the first seven years = $2,318.28. After the first seven years, the principal and interest payments adjust every six months based on the Secured Overnight Financing Rate (SOFR) Index, plus a 2.75% margin. The initial interest rate is the rate that appears on the promissory note and is the rate on which the monthly payment is based for the first 84 months. The fully indexed rate is the total of the margin + the index value. This value changes with the market and is used to determine the payment rate on each change date. The payment rate is the interest rate on which the monthly payment is based. Maximum rate increase on first interest rate change date is 1%. Maximum rate increase on subsequent rate change dates is 1%. Maximum rate increase over 30 years is 5%. In this example the maximum interest rate is 10.375%. The maximum payment amount is $3,496.31. Interest rates after the initial period are based on the index in effect as of December 1, 2023 (5.330%). Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment. Actual payment will be higher and may vary over the life of the loan. Financing is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 95% loan-to-value ratio, maximum loan amount of $766,550, qualification using full documentation and a minimum FICO score of 780. Interest rate is not guaranteed and is subject to change without notice. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

^ Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between December 1 and December 17, 2023, and close on or before March 29, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 2% of the base price of the home (3% in Florida). Example is based on a sales price of $460,000 and a 30-year, fixed-rate FHA loan with an interest rate of 5.875% and a 3.5% down payment. Total loan amount, including the upfront mortgage insurance premium, is $451,668. Monthly principal and interest payment = $2,671.79. APR = 6.615%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. This interest rate 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, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Loan amount cannot exceed the lesser of the county limit or $766,550. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

^^ Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between December 1 and December 17, 2023, and close on or before March 29, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 2% of the base price of the home (3% in Florida). Example is based on a sales price of $460,000 and a 30-year, fixed-rate VA loan with an interest rate of 5.875% and no down payment. The total loan amount, including the VA Funding Fee, is $475,180. Monthly principal and interest payment = $2,810.87. APR = 6.164%. Taxes and hazard insurance premiums are not calculated in the above payment and actual payment will be higher. Financing is available to owner occupants only who are qualified to participate in mortgage loan programs offered by the Department of Veterans Affairs and is subject to legal requirements and availability, a maximum loan amount of $766,550, a debt-to-income ratio of 41% or less, a maximum 100% loan-to-value ratio, qualification using full documentation and a minimum FICO score of 680. Other loan-to-value ratios and FICO scores may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

^^^ Loan promotions are valid for buyers who sign purchase agreements on select homes with Richmond American Homes between December 1 and December 17, 2023, and close on or before March 29, 2024, when financing is provided by HomeAmerican Mortgage Corporation (see licensing information below). Interest rate is not guaranteed and is subject to change without notice. Funds are limited and are available on a first-come, first-served basis. The rate above is based on the application of seller-paid closing cost assistance in the amount of 2% of the loan amount applied to obtain a permanent interest rate buydown. This offer can be used with other national or community-level incentives, but the total promotion amounts provided for using HomeAmerican Mortgage Corporation cannot exceed 2% of the base price of the home (3% in Florida). Example is based on a sales price of $460,000 and a 30-year, fixed-rate conventional loan with an interest rate of 6.375% and a 10% down payment. The loan amount is $414,000. Monthly principal and interest payment = $2,582.82. APR = 6.988%. Taxes, hazard insurance and monthly mortgage insurance premiums are not calculated in the above payment; actual payment will be higher. This interest rate is available to owner occupants only and is subject to availability, a debt-to-income ratio of 43% or less, a maximum 90% loan-to-value ratio, a maximum loan amount of $766,550, qualification using full documentation and a minimum FICO score of 780. Other loan-to-value ratios, FICO scores, second homes and investment properties may be eligible but may be subject to rate and price adjustments. Not valid on loans already locked with HomeAmerican Mortgage Corporation.

HomeAmerican Mortgage Corporation is a residential mortgage loan company. HomeAmerican Mortgage Corporation's principal offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237. HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Arizona Mortgage Banker license #0009265. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. In Nevada, all advertised loans are offered and funded by HomeAmerican Mortgage Corporation, which can be contacted at 7770 S. Dean Martin Drive, Suite 308, Las Vegas, NV 89139, 702.638.4450, License #67. Oregon License # ML-5694.

Closing dates are subject to change and cannot be guaranteed. Homebuyers may be limited in the structural changes, options and upgrades which can be made to homes.

The Richmond American Homes companies (RAH) and HomeAmerican Mortgage Corporation (HMC) are owned, directly or indirectly, by M.D.C. Holdings, Inc. and, therefore, are affiliated companies. RAH and HMC offer services independently of each other, and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, the other company. Your decision to use a company that is not affiliated with RAH or HMC will not affect your ability to obtain products and services from these companies.

Notice to Texas Consumers Pursuant to 7 TAC §80.200(b)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1.877.276.5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT SML.TEXAS.GOV.