**Homeowners Mortgage, LLC (“HOM”) NMLS # 2321853. HOM is a partnership with FBC Mortgage, LLC NMLS ID# 152859 and Great Southern Homes. All products are subject to credit and property approval. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. This is not a commitment to lend. NMLS Consumer Access: www.nmlsconsumeraccess.org. *Scenario is an estimate only and is based on 680 FICO score and a 1/0 buydown on a $295,400 purchase price with a total FHA 30-year agreement (360 months) fixed rate loan amount of $290,049 at 96.5% LTV. Year 1 (0-12 months) rate at 3.750%, APR of 6.140%, and monthly payment of $1,343; year 2-30 (13-360 months) rate of 4.750%, APR of 6.140%, and monthly payment of $1,513. Note rate of 4.750% includes a 3.159-point buydown paid for by the builder (1 point = 1% of loan amount). Rates effective as of 1/27/23. Monthly payments include principal & interest, but do not include property taxes, homeowners insurance, HOA or CDD (if applicable) and payment obligation may be greater. 1/0 Buydown Program: Rate reduction up to 1%; buy down rate for 1 year; seller or third-party can pay for buy down; adjusts 1% each year; returns to original fixed rate after buy down period.  Available on Select inventory only.  See agent for details.  **When electing to finance with HOM, the builder can contribute up to $10,000 toward closing costs. Closing Cost Credit will be applied at closing on loans closed with Great Southern Homes and HOM only. Credit may not exceed the actual closing costs amount. Closing costs are Non-Recurring costs or Settlement Fees. Excludes pre-paids, prorations and discount points. See a Great Southern Homes or HOM representative for details.