The Equinox Home Plan In The Trails

*Terms are based upon a loan with the following terms: Payment is for principal and interest only. Terms based on an FHA 5/1 Adjustable Rate Mortgage (ARM) with a note rate of 3.25%. Purchase price of $439,990. Initial interest rate of 3.25% (APR 3.67%) FHA 5/1 ARM with 30-year fully amortizing term, 3.5% down payment required, and a 640 credit score. 5/1 ARM is fixed at 3.25% for the first 60 months/5 years of the loan. After the initial period rate can adjust every 12 months based on index (Constant Maturity Treasury, 3.69 as of 11/19) plus a margin of 2.00. The maximum change in interest rate is up to 1% at each annual adjustment and a lifetime of 5% above the initial note rate (max 8.25%). An interest rate adjustment may increase your monthly payment. Rates are listed based on an owner-occupied property and are effective as of 11/20/2025 and are subject to change. Restrictions on the maximum loan amount and loan-to-value ratio apply. Monthly rate quoted includes principal and interest for the first 5 years. In addition to payment for principal and interest, payments for taxes, homeowner’s insurance, mortgage insurance and HOA dues are required. Financing is offered Velocio Mortgage (NMLS ID #1529234) or Trailblazer Mortgage (NMLS ID #2106646), affiliated lenders of Starlight Homes. 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, an interest rate for a pool of funds. Rate is only available until pool of funds is depleted or the rate expires on 12/31/2025. 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 Phoenix communities for contracts written between 1/1/2026, and 1/31/2026, on certain available homes. Home must close on or before 2/28/2026. Qualification, income and/or geographic restrictions may apply. Offer only available on homes that are purchased as a primary residence. For Trailblazer, buyer must obtain a FHA or VA loan, with a minimum credit score of 640, in order to qualify for the special financing rate. For Velocio, buyer must obtain a FHA loan, with a minimum credit score of 640, 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.