Owen's Ranch

*Terms are based upon a loan with the following terms: Payment is for principal and interest only. Credit terms are based on a 30-year fixed mortgage. Purchase price of $234,990. 4.99% (APR 6.81%) 30-YR Fixed FHA loan 3.5% down payment required, and a 620 credit score. 2/1 Program includes a 2% decrease on the interest rate for year one and a 1% decrease in the interest rate for year two. The interest rate that applies to year one is 2.99%. The interest rate that applies to year two is 3.99%. Beginning in year three, the fixed rate of 4.99% applies to the remainder of the loan life. Additional special financing rate of 4.99%, 30-yr fixed rate, FHA. Restrictions on the maximum loan amount and loan-to-value ratio apply. In addition to payment for principal and interest, payments for taxes, homeowner’s insurance, mortgage insurance and possible HOA dues are required. Financing is offered Velocio Mortgage (NMLS ID #1529234) or Trailblazer Mortgage (NMLS ID #2106646), affiliated lenders of Starlight. 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 Starlight Homes Advantage program, including use of Velocio Mortgage or Trailblazer Mortgage, which are affiliated lenders. However, use of Velocio Mortgage or Trailblazer Mortgage is not required to purchase a Starlight home. Starlight Homes is not a lender or mortgage broker and does not offer loans or mortgages. Starlight Homes has locked-in, through Velocio Mortgage or Trailblazer Mortgage, a fixed interest rate for a pool of funds. Rate is only available until pool of funds is depleted or the rate expires on November 30, 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 Starlight Homes Jacksonville communities for contracts written between November 2, 2026, and November 30, 2026, on certain available homes. Home must close on or before December 31, 2026. Qualification, income and/or geographic restrictions may apply. Offer only available on homes that are purchased as a primary residence. Buyer must obtain a FHA/VA loan, with a minimum credit score of 620, in order to qualify for the special financing rate. Incentives and contributions by Starlight Homes 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.