Financing Disclosure

The payment examples and interest rates shown are for illustrative purposes only and are based on specific loan scenarios with assumed credit scores, loan terms, and property characteristics. Actual loan terms, interest rates, APR (Annual Percentage Rate), and monthly payments may vary based on borrower qualifications, including but not limited to credit profile, income, assets, occupancy, loan-to-value ratio, and property type. Temporary interest rate buydown programs are subject to investor guidelines and are subject to maximum contribution limits based on loan program guidelines (FHA, VA, Conventional). APR reflects the total cost of borrowing, including certain fees and prepaid finance charges, and is typically higher than the note rate. Payment examples shown may not include property taxes, homeowner’s insurance, mortgage insurance (FHA/VA funding fee or monthly MI), HOA dues, or other escrow items. The actual total monthly payment obligation will be higher. All loans are subject to credit approval, underwriting guidelines, and property eligibility. A completed loan application (Uniform Residential Loan Application) and supporting documentation are required to determine final eligibility.

Interest rates, APRs, payments, and program availability are subject to change without notice based on market conditions. This is not a commitment to lend. Please contact Jaxon Hughes at Paradigm Mortgage**** for current rates, qualifications, and full program details. Builder incentives, including temporary buydown contributions, are subject to availability, may vary by community, and may be withdrawn at any time without notice. Incentives must comply with interested party contribution limits per loan program. Current rate and pricing scenarios are as of 4/15/26.

*FHA Loan Disclosure – Temporary Buydown Example

This example illustrates a 30-year fixed-rate FHA loan with a 1/1 temporary interest rate buydown on a $400,000 purchase price with 3.5% down payment, and minimum FICO of 680. The temporary buydown reduces the borrower’s note rate by 1% for the first year and 1% for the second year, after which the loan reverts to the full note rate for the remaining term. Payments shown reflect principal and interest only and do not include FHA mortgage insurance premium (MIP), property taxes, homeowner’s insurance, or other escrow items, which will increase the total monthly payment. FHA loans require both an upfront mortgage insurance premium (UFMIP) and a monthly mortgage insurance premium (MIP), which are not reflected in the sample payment. Maximum loan limits apply and vary by county. Temporary buydown funds must be paid by an eligible interested party and are subject to FHA contribution limits and guidelines per HUD Handbook 4000.1. Borrowers must meet FHA credit, income, and occupancy requirements. Minimum credit score assumptions (e.g., 680 FICO) are for illustrative purposes only and are not guarantees of approval.

** Conventional Loan Disclosure – Temporary Buydown Example

This example reflects a 30-year fixed-rate conventional loan with a 1/1 temporary buydown on a $400,000 purchase price with 20% down payment, and FICO of 780. The temporary buydown reduces the interest rate by 1% for the first two years before reverting to the full note rate for years 3–30. Payments shown are principal and interest only and do not include property taxes, homeowner’s insurance, or other escrow items. No private mortgage insurance (PMI) is assumed due to 20% down; however, PMI may be required for borrowers with less than 20% equity. Temporary buydown contributions must comply with Fannie Mae/Freddie Mac guidelines regarding interested party contributions and temporary buydown structures. Loan approval is subject to agency underwriting guidelines, including credit score, debt-to-income ratio, reserves, and property eligibility. Credit score assumptions (e.g., 680 FICO) are for illustrative purposes only and are not guarantees of approval.

***VA Loan Disclosure – Temporary Buydown Example

This example reflects a 30-year fixed-rate VA-guaranteed loan with a 1/1 temporary buydown on a $400,000 purchase price with 0% down payment, and 700 FICO.

The temporary buydown reduces the interest rate by 1% for the first two years before reverting to the full note rate for the remaining term. Payments shown reflect principal and interest only and do not include property taxes, homeowner’s insurance, or other escrow items. VA loans may include a funding fee, which can be financed into the loan amount and will impact the total loan balance and APR. Eligibility for VA financing requires a valid Certificate of Eligibility (COE) and meeting service requirements per VA guidelines.  Temporary buydown funds are subject to VA limits on seller concessions and interested party contributions. Credit score assumptions (e.g., 700 FICO) are for illustrative purposes only and are not guarantees of approval.

****Equal Housing Lender. NMLS Consumer Access: www.nmlsconsumeraccess.org

Paradigm Mortgage NMLS # 2701062 | Jaxon Hughes NMLS # 2151702 |