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This offer may not be available in conjunction with other offers, promotions or price discounts. Directions Home Loans NMLS ID# 214519.. All products are subject to credit and property approval. Programs, rates, program terms and conditions subject to change without notice. Other restrictions and limitations apply. *Scenario is an estimate and is based on primary residences only, 640 FICO score and a 2/1 buydown on a $335,210 purchase price with an FHA 30-year agreement (360 months) fixed rate loan amount of $323,477 at 96.5% LTV. Year 1 (0-12 months) rate at 2.99%, APR of 5.73%, and monthly payment of $1,968; year 2 (13-24 months) rate of 3.99%, APR of 5.73%, and monthly payment of $2151; and a year 3-30 (25-360 months) rate of 4.99%, APR of 5.73%, and monthly payment of $2,347. Monthly payments include principal, interest, Taxes, Homeowners Insurance and mortgage insurance. Example payment does not include HOA dues if applicable, and payment obligation may be greater. **4.99% rate is based on a builder paid forward commitment to buydown the market rate. The forward commitment is offered on government loans for primary residences only. Offer valid on select Hakes Brothers homes on loans closed on or before May 31st, 2025; see our New Home Advisor for further details on expiration terms and available homes. This is not a commitment to lend. Offers and incentives require financing with Directions Home Loans.