* The advertised interest rate of 4.99% (5.542% APR) is for a 30-year fully amortizing term. The interest rate will be fixed at 4.99% (5.542% APR). The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 11/01/2024 and are subject to change without notice. This offer is available for a limited time only. *4.99% Fixed Rate FHA/VA/RD (5.542% APR) financing is available only through builders' preferred lender (CrossCountry Mortgage, LLC | NMLS3029) on select homes in Las Cruces and surrounding areas with a New Purchase Contract (New Home Agreement of Sale) written after November 1, 2024, and approved by Hakes Brother’s management. Loan must fund by December 23rd, 2024. Loan products are subject to credit and property approval. APR varies based on program type. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all areas or for all amounts. This is not a commitment to lend. Other restrictions and limitations apply. NMLS Consumer Access Link: www.nmlsconsumeraccess.org. Eligibility is based on primary residences only, 640 FICO score or higher required. *4.99% rate is based on a builder paid forward commitment to buy-down the market rate. Offer valid for select homes on loans funded on or before December 23, 2024; see your builder representative for further details on expiration terms and available homesites. This offer is available for a limited time only. May not be able to be combined with other available Hakes Brothers offers or discounts. Borrower is not required to finance through CrossCountry Mortgage, LLC, but use CrossCountry Mortgage, LLC to receive incentives. Hakes Brothers is an Equal Housing Opportunity builder.