*Disclaimer for 4.99% Lower Rate Incentive
Fixed interest rate of 4.99% (6.105% APR) based on a $300,000 sales price with 3% down payment, minimum credit score of 620, and 30 days to first payment. Monthly payment on a loan amount of $291,000 for a 30-year fixed rate term would be $1,560.37. The disclosed payment amount does not include amounts for taxes and insurance premiums; the actual payment obligation will be greater. An escrow account for taxes and insurance may be required. Must have $500 of own money invested in the transaction. Private mortgage insurance and homebuyer education may be required. Available to qualified conventional buyers. To secure this rate, buyer must use Schaefer Homes’ preferred lender and title company. Rate and APR accurate as of 11/10/2026. Offer available on loan applications received through 12/31/2026 and is subject to change without notice. Owner-occupied primary residence only. Available only within the lender’s eligible assessment areas; information regarding geographic eligibility and income limits is available upon request. Subject to credit approval; not all applicants will qualify. Equal Housing Lender.

*Disclaimer for 3.99% buydown incentive
Blue Crab Mortgage, LLC NMLS ID# 2817696. *Scenarios are estimates only and are based on 640 FICO score on a 30-year (360 months) FHA fixed-rate mortgage. Lower rate scenario includes a 2/1 buydown paid for by the builder. Monthly payment estimate includes principal and interest, but do not include taxes, insurance, CDD or HOA fees (if applicable) and the actual payment obligation will be greater. All numbers are estimates only. 5.99% rate shown is based on a builder paid forward commitment to buydown the market rate. The forward commitment may not be available on all loan programs. Rates effective as of 8/18/26 and are subject to change. Blue Crab Mortgage, LLC is an independent mortgage lender and is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any other government agency. Not all applicants will be approved. 2/1 Buydown Program: Rate reduction up to 2%; buy down rate for up to 2 years; adjusts 1% each year; returns to original fixed rate after buy down period; builder will pay for buy down. Please reverify the buydown costs prior to closing. Borrower is not required to finance through Blue Crab Mortgage, LLC but must use Blue Crab Mortgage, LLC to receive incentives. Only available in Schaefer Homes communities for contracts written and closed by October 15, 2026, on certain homes available. See a Schaefer Homes representative for details. All products are subject to credit & property approval. Rates, programs, program terms & conditions subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions & limitations apply. Subject to minimum credit score requirements. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org

**Disclaimer for Closing Cost Incentives
Blue Crab Mortgage, LLC NMLS ID# 2817696 Not all applicants will be approved. Borrower is not required to finance through Blue Crab Mortgage, LLC but must use Blue Crab Mortgage, LLC to receive incentives. Only available in Schaefer Homes communities for contracts written and closed by October 15, 2026, on certain homes available. See a Schaefer Homes representative for details. All products are subject to credit & property approval. Rates, programs, program terms & conditions subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions & limitations apply. Subject to minimum credit score requirements. This is not a commitment to lend. NMLS Consumer Access: www.nmlsconsumeraccess.org