*5.50% fixed interest rate (5.720% APR) available on select qualifying homes at participating Tim Lewis Communities in California and Nevada through a limited builder-sponsored forward commitment program with LeaderOne Financial Corporation. Advertised rate is based on a 30-year fixed-rate conventional purchase mortgage for an owner-occupied, single-family residence, with a minimum 780 qualifying credit score, 75% loan-to-value ratio (25% down payment), and an impound account for property taxes and homeowners insurance.

The builder has prepaid the cost of the advertised interest rate through a forward commitment arrangement outside the individual purchase transaction. No additional discount points are required from borrowers meeting the stated financing assumptions to obtain the advertised 5.50% rate. Loan-level price adjustments (LLPAs), additional discount points, or different interest rates may apply for borrowers with different credit scores, down payments, or other loan characteristics. Standard closing costs, prepaid expenses, and other applicable fees may apply.

**Payment Disclosure:** Based on a 5.50% fixed interest rate and a 30-year loan term (360 monthly payments), the monthly principal and interest payment is approximately $5.68 for every $1,000 borrowed. This amount excludes property taxes, homeowners insurance, mortgage insurance (if applicable), HOA dues, and other property-related expenses. Actual total monthly housing payments will be higher and vary by property.

Offer available only on designated homes at participating communities and subject to remaining forward commitment availability, borrower qualification, credit approval, underwriting requirements, applicable loan program guidelines, and rate-lock requirements. Availability is limited and may expire or be withdrawn without notice. Rates and terms for borrowers outside the advertised qualifications may differ. Offer may not be combined with other builder incentives unless expressly permitted by Seller. Home prices, availability, and promotional terms are subject to change without notice.

**Lender Licensing and Disclosures:** Financing provided by LeaderOne Financial Corporation, NMLS# 12007. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License# 4131276. Licensed by the Nevada Division of Mortgage Lending, License# 4186. Equal Housing Opportunity.

**Corporate Address:** 7500 College Blvd, Suite 1150, Overland Park, KS 66210
**Telephone:** (916) 380-8089

Contact LeaderOne Financial Corporation for complete financing terms. All financing is subject to applicable federal and state laws and regulations.

**Offer available on select quick move-in homes at Magnolia by Tim Lewis Communities for a limited time only and subject to change, cancellation, or prior sale without notice. Incentive consists of up to $100,000 in seller-paid upgrades and/or closing cost assistance, which may be applied toward a swimming pool package, closing costs, prepaid items, financing incentives, and/or interest rate buydown, subject to lender guidelines and buyer qualification. No cash value. Buyer must enter into a purchase agreement by the date specified by Seller and close escrow pursuant to contract terms. Pool package, features, specifications, installation timing, and approved pool contractor shall be determined solely by Seller. Actual pool costs may vary based on lot conditions, design selections, permits, utility requirements, and jurisdictional approvals; buyer shall be responsible for any costs exceeding the incentive amount. Financing incentives are available only through Seller’s preferred lender and subject to loan approval, market conditions, and program availability. Incentive may not be combined with any other offers except as expressly permitted by Seller. Equal Housing Opportunity. CA DRE License #01462003. NRED Broker lic. B.1000432

***2/1 Temporary Buydown General Disclaimer: For a limited time, on select homes, SAFE Credit Union is utilizing Tim Lewis Communities preferred lender incentive to offer a 2% interest rate reduction for the first 12 months of a 10/6 Adjustable-Rate Mortgage, and a 1% interest rate reduction for months 13–24. From months 25–120, the interest rate reverts to the full note rate.

**** APR= Annual Percentage Rate. Pricing shown at 80% loan-to-value with a 780 FICO and is for owner-occupied properties only. APR is accurate as of 10/01/2026. Payment on a $1,136,800 loan at 5.75% (6.139% APR) with initial monthly payment of $6,634. APR is for a 10/6 ARM. APR is accurate as of 10/01/2026. Payments do not include taxes and insurance premiums. Actual payment obligation may be greater. ARM rates are variable, may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR) as published by the Federal Reserve Bank of New York with a margin of 2.75%. ARM loans are amortized over a 30-year term. 10/6 ARMs are fixed for the first 10 years, subject to change semi-annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap.

Use of the preferred lender is not required to purchase a home from Tim Lewis Communities; however, certain incentives may only be available when financing is obtained through SAFE Credit Union. Tim Lewis Communities is an independent homebuilder and is not a direct affiliate of SAFE Credit Union. Incentives are offered by Tim Lewis Communities and are subject to change.

SAFE Credit Union | NMLS #466072 | Equal Housing  Opportunity Lender
Lender and Licensing Information: Financing provided by SAFE Credit Union. NMLS ID #466072. www.NMLSConsumerAccess.org. Main Office: 2295 Iron Point Road, Suite 100, Folsom, CA 95630. Phone: 916-979- 7233.

Information, prices, promotions, incentives, features, options, amenities, floorplans, elevations, designs, materials, and dimensions are subject to change without notice. Square footage is approximate. Floorplans and elevations are artist’s conception and are not intended to show specific detailing.

CA DRE license #01462003 / NRED Broker lic. B.1000432

Equal Housing Lender