Disclaimer: 4.99% FHA 30-Year / 360 Months Fixed Rate Mortgage available on move-in-ready homes that contract between 11/24/2025 and 12/31/2025. Payment Assumptions are based on a sales price of $584,000 minimum 3.5% down payment and a maximum amount financed $563,500. FHA Loans require 1.75% UFMI (Up Front Mortgage Insurance). Estimated Monthly payment includes principle, interest, and monthly PMI, and does not include taxes or homeowners insurance. Rate, APR, and payment examples are estimates and subject to change based on borrower qualifications, credit profile, LTV, and market conditions. General Terms for All Programs Offer subject to credit approval; not all borrowers will qualify. Valid for new contracts on select inventory homes closing on or before 12/31/2025. Closing costs vary depending on loan structure and are the buyer’s responsibility. Offer excludes Down Payment Assistance loans. Rates, terms, and availability are subject to change or discontinuation without notice. Buyer is responsible for any applicable Loan Level Price Adjustments (LLPAs) if applicable. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. All terms are subject to change without notice; loans are subject to underwriting guidelines and borrower credit profile, and not all applicants will be approved. Equal Housing Opportunity.

The up to $25,000 Your Way Promotion (the "Promotion") from First Texas Homes is available on to-be-built homes and inventory homes contracted on or after 11/24/2025 through 12/31/2025 and is not valid for homes already sold or currently under contract. The subject property must be the buyer's primary residence and excludes second homes, investment properties, or non-owner-occupied properties. The promotion is only available to purchasers who choose CrossCountry Mortgage, LLC ("CrossCountry") - Sawyer Team Branch 3861 as their lender. The Promotion includes a $3,000 NFM gift card, issued 7 to 14 business days after loan closing (limit one per contracted home) when you finance with our preferred lender CrossCountry Mortgage Branch 3861 Sawyer Team. You are not required to utilize CrossCountry for your home purchase financing; purchasers are encouraged to evaluate their home financing options before selecting a lender. Buyer will be responsible for applicable loan level price adjustments and meeting underwriting guidelines and conditions. Limited time offer subject to change or termination without notice; cannot be combined with any other discount or offer including the 4.99 30YR Fixed Rate offer and may change or terminate without notice. Closing-cost assistance, subject to interested-party contribution limits. Total seller credit may not exceed actual closing costs or 6% of the loan amount including rate buydown, whichever is less. Any unused amounts will be forfeited. Other terms may apply; please consult First Texas Homes or a CrossCountry — Sawyer Team loan officer for details. First Texas Homes is an equal-opportunity home builder. Square footages are approximate and may vary by plan, options, elevation, and location. Pricing is valid as of 11/24/2025 and is subject to change. Contact a First Texas Homes sales consultant to verify features, square footage, availability, and pricing.