Lower Rates, Bigger Savings!

Applies only to Buyers entering into Purchase Agreements for select homes at list price as of 9/1/2026 through 10/31/2026 that can close on or before 11/30/2026 (“Promotional Period”). *Promotional rate is based on a 30-year fixed-rate mortgage with a permanent interest rate buydown combined with a temporary 3-2-1 buydown. The promotional interest rates are 2.99% for Year 1, 3.99% for Year 2, 4.99% for Year 3, and 5.99% for Years 4–30. To qualify, Buyer must (i) pre-qualify for a 30-year fixed-rate conforming loan at 5.99% interest (6.28% APR) through CrossCountry Mortgage meeting the conforming loan limit requirements set forth by San Joaquin County prior to submitting an offer to qualify for the Promotion and (ii) satisfy all other closing date and eligibility criteria. Minimum FICO score of 740 and other qualifying requirements set by CrossCountry Mortgage at their sole discretion. **Promotional rate is based on a 5/6 ARM conforming loan at 3.75% interest (5.968% APR) through CrossCountry Mortgage meeting the conforming loan limit requirements set forth by San Joaquin County prior to submitting an offer to qualify for the Promotion and (ii) satisfy all other closing date and eligibility criteria. Minimum FICO score of 740 and other qualifying requirements set by CrossCountry Mortgage at their sole discretion. Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. This is not a commitment to lend, applicants must qualify. Interest rates and available loan products are subject to underwriting, loan qualification and program guidelines. Maximum seller contributions apply. 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 NMLS ID #300913. Any representations, photos or descriptions are illustrative and may not reflect actual homes or final community designs. For specific information regarding this home, floor plans, pricing and features, please contact the community sales office directly. Rurka Brokerage, Inc. DRE #02360577.