*Limited Time Adjustable Rate Mortgage ("ARM") Interest Rate starting at 3.875% / 6.078% APR (“Promotion”) valid on new home contracts entered as of 10/23/2026 - 11/01/2026 (“Promotion Period”) on select Port St Lucie area Quick Move-in Homes that close on or before 11/30/2026 (each, an “Eligible Home”). The advertised Annual Percentage Rate (“APR”) of 6.078% is based on an FHA 5/1 ARM, 30-year fully amortizing term, with a Total Purchase Price of $349,900 and a loan amount of $343,561, 3.5% down payment, 640 median credit score and includes upfront Mortgage Insurance Premium ("MIP"). Available for FHA loan limits, owner-occupied only. The initial starting interest rate is 3.875% for 60 months. After the initial period, the variable interest rate and payment may adjust every twelve months and is subject to change based on the 30-Day Average Treasury Rate index and may be higher or lower after closing plus a margin of 2.00%. The maximum change in the interest rate is up to 1% at the first adjustment, up to 1% every twelve months thereafter with a maximum lifetime adjustment of 5% (max life interest rate of 8.875%) and your payment will increase. Actual savings will vary by the community, floor plan, lot premium, options of home and availability. At closing, Seller agrees to pay up to 6% of Total Purchase Price (as set forth on the Closing Disclosure) towards Closing Costs, which may include: Temporary Buydown Fund, discount points, up to one year HOA Dues (not to exceed $2,280), and/or closing costs. Actual savings will vary by the community, floor plan, lot premium, options of home and availability. For eligibility, Qualified Buyer must (1) pre-apply with our Affiliated Lender by visiting www.mattamyhf.com/ApplyOnline prior to submitting offer to qualify for the Promotion; (2) utilize the services of Closing Agent selected by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must use both the Closing Agent selected by Seller and finance through Affiliated Lender to receive the Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Maximum seller contributions apply. Offers may not be redeemed for cash or equivalent. Offers and incentives good while supplies last. Exclusions and limitations apply see Mattamy Homes New Home Counselor for details. Additional terms apply. Not valid on contract re-writes, transfers or for buyers who have had a previous contract with Mattamy Homes canceled for any reason. Not to be combined with any other incentive offer, except as otherwise expressly set forth above or in an Incentive Addendum to the Purchase Agreement. Other restrictions may apply. Services not available in all states. Mattamy Home Funding, LLC is not acting on behalf of or at the direction of HUD/FHA or the federal government. Mattamy Home Funding, LLC, NMLS #64022, 495 N Keller RD, Ste 550A, Maitland, FL 32751, Licensed locations: FL #MLD834 | http://www.nmlsconsumeraccess.org. Mattamy Homes is an Equal Housing Opportunity builder. E.&O.E. ©2026 Mattamy Homes. All rights reserved. E.&O.E. MATSEF1031 PSL