Your New Home, Wrapped in Holiday Savings

*Terms are based upon a loan with the following terms: Payment is for principal and interest only. Terms based on an FHA 5/1 Adjustable Rate Mortgage (ARM) with a note rate of 3.375%. Purchase price of $449,990. Initial interest rate of 3.375% (APR 4.05%) FHA 5/1 ARM with 30-year fully amortizing term, 3.5% down payment required, and a 620 credit score. 5/1 ARM is fixed at 3.375% (APR 4.05%) for the first 60 months/5 years of the loan. After the initial period rate can adjust every 12 months based on index (Constant Maturity Treasury, 3.69 as of 11/19) plus a margin of 2.00. The maximum change in interest rate is up to 1% at each annual adjustment and a lifetime of 5% above the initial note rate (max 8.75%). An interest rate adjustment may increase your monthly payment. Rates are listed based on an owner-occupied property and are effective as of January 1, 2026 and are subject to change. Restrictions on the maximum loan amount and loan-to-value ratio apply. Monthly rate quoted includes principal and interest for the first 5 years. In addition to payment for principal and interest, payments for taxes, homeowner’s insurance, mortgage insurance and HOA dues are required. Financing is offered by Velocio Mortgage (NMLS ID #1529234), affiliated lender of Ashton Woods. This is not an offer of any specific interest rate or a commitment to make a loan and only buyer’s lender can offer a specific interest rate or issue a loan commitment under this special financing rate promotion. Receiving the advertised rate and incentive requires participation in the Ashton Woods Advantage program, including use of Velocio Mortgage, which is an affiliated lender. However, use of Velocio Mortgage is not required to purchase an Ashton Woods home. Ashton Woods is not a lender or mortgage broker and does not offer loans or mortgages. Ashton Woods has locked-in, through Velocio Mortgage, an interest rate for a pool of funds. Rate is only available until pool of funds is depleted or the rate expires on January 31, 2026. The special financing rate is only available for a limited time and only limited quantities of loans at the special financing rate are available. Rate offer is on a first come, first serve basis. Rate is subject to change upon exhaustion of funds, and may be adjusted depending on buyer’s credit profile, loan to value ratio and/or certain property characteristics. Rate is not guaranteed, and buyer must satisfy all conditions or requirements for approval of buyer’s mortgage loan by buyer’s lender for the financing and purchase of the property. Only available in Ashton Woods Raleigh communities for contracts written between January 1, 2026, and January 31, 2026, on certain available homes. Home must close on or before February 19, 2026. Qualification, income and/or geographic restrictions may apply. Offer only available on homes that are purchased as a primary residence. For Velocio, buyer must obtain a FHA loan, with a minimum credit score of 620, in order to qualify for the special financing rate. Incentives and contributions by Ashton Woods are subject to certain terms, conditions, and restrictions and certain incentives may be limited by the lender or could affect the loan amount. This communication is provided for informational purposes only and should not be relied upon by you, not to be construed as a quotation or offer of credit from any lending institution. Programs, prices, rates, terms and conditions subject to change without notice. Actual rates available to you may vary based upon a number of factors including credit score, documentation level and market conditions. All loans subject to credit approval. Other restrictions may apply. See terms and conditions for complete information. Supply of homes and homesites at these prices are limited and subject to availability.

**Up to $5,000 in closing costs, prepaids, interest rate buy-downs and/or HOA dues on certain available Ashton Woods inventory/quick move-in or to-be-built homes. Contract must be written betweenJanuary 1, 2026, and January 31, 2026 and closed on or before February 19, 2026. Must comply with all the conditions of the Ashton Woods Advantage Program including use of Velocio Mortgage (NMLS ID #1529234), an Ashton Woods affiliated lender, to be eligible for any closing cost incentives. Subject to loan program guidelines, and lender down payment requirements may also apply. Supply of inventory homes is limited and subject to availability, and prices vary based on home and homesite. Promotion not available with any other promotion, offer or negotiation, and is subject to change or termination at any time without notice. Other restrictions may apply. Offer only available on homes that are purchased as a primary residence. Qualification, income and / or geographic restrictions may apply. Use of an affiliated lender is not required to purchase an Ashton Woods home. This communication is provided for informational purposes only and should not be relied upon by you, not to be construed as a quotation or offer of credit from any lending institution. Programs, prices, rates, terms and conditions subject to change without notice. Actual rates available to you may vary based upon a number of factors including your credit score, documentation level and market conditions. All loans subject to credit approval. Other restrictions may apply.

***Appliance incentive available with the purchase of a home on select quick move in homes in select Ashton Woods Raleigh communities. Promotion offered at advertised price. Contract must be written between January 1, 2026, and January 31, 2026 and must close by February 19, 2026. Appliances & Blinds incentive valued up to $3790, which covers the cost of (GSS25GYPFS, GTW490ACJWS, GTD45EASJWS, 2” Faux Wood White Cordless Blinds). Appliance & Blind incentive only available while homes last. Appliances subject to manufacturer warranty only. Not available with any other offer, promotion or negotiation. Other restrictions may apply. Offer or promotion subject to change.