4.5% (5.521% APR)* First-Year Rate

*Conventional 1/0 Temporary Interest Rate Buydown – YR 1 4.50% - YR 2+ 5.50% (APR 5.521%) based on a 57.403% down payment 

*For a limited time, KLMR Homes and its lending partner, NFM Lending, are offering up to $40,000 towards the costs of a Conventional 1/0 Temporary Interest Rate Buydown (the “Promotion”) valid on new homes purchased by 09/30/2024 and closing by 10/31/2024 and applies to Homesite 51 at KLMR’s Bellos at The Summit community. At closing, KLMR Homes agrees to contribute up to $30,000 and NFM Lending agrees to contribute up to $10,000 as closing cost credits towards the Promotion. The total contribution by KLMR Homes and NFM Lending is subject to maximum contribution limitations based on mortgage loan program guidelines. In some instances, the credit may be less due to loan program restrictions. The lender credit can be redeemed once at NFM Lending Branch AZ327 located in Tempe, Arizona. This credit is not redeemable for cash or cash equivalents. The lender credit only applies to the following Loan Programs: Conventional, FHA, VA, USDA, Non-Conforming (Jumbo). The lender credit does not apply to Brokered, DPA (Down Payment Assistance) or Non-QM (Non-Qualified Mortgage) loans. Only applies to new loan applications and not valid at other locations or for loans that have already locked. 

*The below-market interest rate quoted is effective as of 8/27/2024, based on a 30-day rate lock period, and assumes: Conventional 30-year, fixed rate loan using a 1/0 Temporary Interest Rate Buydown; $766,550 loan amount; 57.403% down payment; 780 credit score or better; and Primary Residence. Purchase your home today and in the first year your original interest rate (5.50%) will be temporarily lowered by 1 percentage point (4.50%). After that time, your mortgage will revert to the original interest rate (5.50%) from the second year through the life of the loan. Restrictions apply – inquire with NFM Lending for more information. Void where prohibited, taxed or restricted by law. Interest rates are subject to change daily and without notice.

**The payments stated above are for a Conventional loan assuming a FICO score of 780+ and 57.403% down. The payments stated are based on principal and interest only and do not include taxes, insurance, or homeowner’s association payments. Your actual payment will be higher. The mortgage insurance premium will vary depending on the loan characterization. Payments and rates may vary based on a borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood insurance may be needed, which could increase the monthly payment and annual percentage rate (APR). 

Applicants are subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements and/or investor program guidelines – not all applicants will be eligible for the Promotion. For eligibility, an applicant must (1) pre-apply with NFM Lending by visiting https://bp.nfmlending.com/apply/klmrprior to submitting an offer to qualify for the Promotion; (2) utilize the services of KLMR Homes’ closing agent and finance with NFM Lending; and (3) satisfy all other eligibility criteria of KLMR Homes and/or NFM Lending. Applicants are not required to finance through NFM Lending; however, the Promotion is only available through NFM Lending.

This is a co-marketing piece with KLMR Homes. NFM Lending is not affiliated with KLMR Homes or any of the preferred title companies of KLMR Homes. You are entitled to shop around for the best lender, builder and title company for you. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Branch licensing information: AZ 0121417. For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024 Landsea Mortgage dba NFM Lending.  America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

All information (including, but not limited to prices, views, availability, dimensions, square footage, school districts and ratings, incentives, floor plans, exteriors, site plans, features, standards and options, assessments and fees, planned amenities, conceptual artists’ renderings and community development plans) is provided for informational purposes only and is approximate and not guaranteed and remains subject to change, availability or delay without notice.  All photos, renderings, and other depictions are for illustration purposes only and may include elements that are for display purposes only. Maps and plans are not to scale, are not intended to show specific detailing and all dimensions are approximate. Prices may not include lot premiums, upgrades and options. Community Association or other fees may be required. This communication is not intended to constitute an offering in violation of the law of any jurisdiction and in such cases our communications may be limited by the laws of your state. KLMR Sales does not discriminate against any class of persons protected by federal, state, or local law. Models and lifestyle photos do not reflect racial or ethnic preference. Contact a local KLMR Sales representative for more details.

KLMR Sales, LLC is a licensed real estate broker, AZ DRE license no. LC708805000. © 2023 KLMR Sales, LLC. Designated Broker- Karen Dresher. AZ DRE #BR628388000. KLMR Construction, LLC ROC#335667. All rights reserved.  No permission or license is granted to reproduce any image, information, or design 

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