*Special financing rate offer is based upon a loan with the following terms: a 30-year fixed-rate FHA or VA mortgage with a 3.5% down payment, a minimum credit score of 640, and an interest rate of 3.99% (4.22% APR) on a home priced at $320,000. Advertised terms are available only to qualified buyers who satisfy all program requirements, obtain final lender approval, and complete their purchase while program funds remain available. Additional eligibility requirements, restrictions, and underwriting conditions may apply. In addition to principal and interest, monthly payments will include property taxes, homeowner's insurance, mortgage insurance premiums (if applicable), and may include HOA dues and other property-related expenses. Actual monthly payments will vary based on the loan amount, taxes, insurance premiums, and other applicable costs. Financing is offered by Velocio Mortgage (NMLS ID #1529234) or Trailblazer Mortgage (NMLS ID #2106646), affiliated lenders of Starlight Homes. Receipt of the advertised financing rate and incentive requires participation in the Starlight Homes Advantage Program and financing through one of these affiliated lenders. Buyers are not required to use an affiliated lender to purchase a Starlight Homes home; however, the advertised financing incentive and promotional rate are available only through participating affiliated lenders. Starlight Homes is not a lender or mortgage broker and does not originate mortgage loans. The promotional rate is available only on select inventory homes in participating Starlight Homes communities for contracts executed between October 22, 2026 and November 1, 2026, with closing on or before November 30, 2026. The promotional rate is funded through a limited allocation of financing and is available only while allocated funds remain available. Program availability may end before the stated expiration date if available funding is exhausted. The promotional rate is subject to borrower qualification, lender approval, program availability, loan-to-value limitations, property eligibility requirements, and other underwriting criteria. Interest rates and loan terms may vary based on credit profile, documentation provided, loan characteristics, and other factors considered during the underwriting process. To qualify for the advertised promotional rate, the property must be purchased as the buyer's primary residence, and the buyer must obtain an FHA or VA loan and satisfy all applicable program, credit, and underwriting requirements. Seller incentives and contributions offered by Starlight Homes are subject to terms, conditions, and program limitations and may affect loan qualification or available financing amounts. Additional down payment requirements, closing costs, prepaid items, reserves, or borrower contributions may apply depending on the loan program and individual transaction. This advertisement is provided for informational purposes only and does not constitute a commitment to lend, loan approval, interest rate lock, or an offer to extend credit. Only a lender can provide specific financing terms and issue a loan commitment. All loans are subject to credit approval and underwriting review. Programs, rates, prices, incentives, terms, conditions, inventory, and availability are subject to change or termination without notice. Additional restrictions may apply. Home availability, homesite availability, and pricing are limited and subject to change. Actual financing terms available to a buyer may differ from the terms described above.