4.625% (6.646% APR)* 2/1 Buydown on Quick Move In Homes

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*Conventional 2/1 Temporary Interest Rate Buydown – YR 1 4.625% - YR 2 5.625% - YR 3+ 6.625% (APR 6.646%) based on a 34.643% down payment 

*For a limited time, KLMR Homes and its lending partner, NFM Lending LLC, are offering up to $30,000 towards the costs of a Conventional 2/1 Temporary Interest Rate Buydown and up to $5,000 towards customary closing costs (the “Promotion”) valid on new homes purchased closing by 6/30/2025, and applies to Homesite 1 at KLMR’s Saguaro Trails community. At closing, KLMR Homes agrees to contribute up to $30,000 and NFM Lending LLC agrees to contribute up to $5,000 as closing cost credits towards the Promotion. The total contribution by KLMR Homes and NFM Lending LLC 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 LLC 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 6/4/2025, based on a 30-day rate lock period, and assumes: Conventional 30-year, fixed rate loan using a 2/1 Temporary Interest Rate Buydown; $806,500 loan amount; 34.643% down payment; 780 credit score or better; and Primary Residence. Purchase your home today and in the first year your original interest rate (6.625%) will be temporarily lowered by 2 percentage points (4.625%) and 1 percentage point the second year (5.625%). After that time, your mortgage will revert to the original interest rate (6.625%) from the third year through the life of the loan. Restrictions apply – inquire with NFM Lending LLC for more information. Void where prohibited, taxed or restricted by law. Interest rates are subject to change daily and without notice.

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 LLC 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 LLC; and (3) satisfy all other eligibility criteria of KLMR Homes and/or NFM Lending LLC. Applicants are not required to finance through NFM Lending LLC; however, the Promotion is only available through NFM Lending LLC.

This is a co-marketing piece with KLMR Homes. NFM Lending LLC 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 Lending LLC’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending LLC NMLS #2893 (www.nmlsconsumeraccess.org). NFM Lending LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2025 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.