2.99% Rate Offer BMD: *Promotional rate applies to contracts written for a limited time on select homes that close by 10/30/2026.
Buydown Schedule:
*FHA – YR 1 2.99% - YR 2 3.99% - YR 3 4.99% - YR 4-30 5.99% (6.253% APR) based on 3.5% down payment
*VA – YR 1 2.99% - YR 2 3.99% - YR 3 4.99% - YR 4-30 5.99% (6.291% APR) based on 0% down payment
*USDA - YR 1 3.99% - YR 2 4.99% - YR 3-30 5.99% (6.179% APR) based on 0% down payment
Monthly principal and interest payments paid by the borrower per $1,000 borrowed: FHA/VA—12 payments of $4.21, followed by 12 payments of $4.77, 12 payments of $5.36, and 324 payments of $5.99. USDA—12 payments of $4.77, followed by 12 payments of $5.36 and 336 payments of $5.99. Payments exclude property taxes, homeowners insurance, and applicable mortgage insurance or annual guarantee fees; actual payment obligations will be higher.
Offer valid for new contracts on select inventory homes that close on or before 10/30/2026. 5.99% fixed rate with temporary buydown cannot be combined with other offers. FHA Loan APR 6.253% based on available rates as of 9/23/26 with FICO score of 680, Sales Price of $450,000 and 3.5% down payment on a FHA 30 yr fixed term. VA Loan APR 6.291% based on available rates as of 9/23/26 with FICO score of 680, Sales Price of $450,000 and 0% down payment on a VA 30 yr fixed term. USDA Loan APR 6.179% based on available rates as of 9/23/26 with FICO score of 680, Sales Price of $450,000 and 0% down payment on a USDA 30 yr fixed term. All Financing and Rate incentives are based on FHA/VA/USDA loans and only valid for customers using Builder Mortgage Direct, a D/B/A of SFMC, LP NMLS # 166487 until funds are either depleted or rates expire. Offer excludes Bond/Down Payment Assistance loans. Offer subject to credit approval, not all borrowers will qualify. Additional Closing Cost amounts, if any, are dependent on the structure of the loan buyer chooses and are the responsibility of the buyer. Seller credit cannot exceed actual closing costs and any unused amounts that cannot be applied will be forfeited. This offer is subject to change or to be discontinued at any time without prior notice. Please contact your First Texas Homes Sales Counselor for further details. Minimum credit score of 600 required to qualify for 5.99% block financing - additional adjustments may apply for credit scores below 680.
NMLS# 166487 | buildermortgagedirect.com
SFMC, LP is an Equal Housing Lender.
15K Flex Cash: The up to $15,000 Your Way Promotion (the "Promotion") from First Texas Homes is available on to-be-built homes and inventory homes contracted on or after 09/01/2026 through 09/30/2026 and is not valid for homes already sold or currently under contract. The subject property must be the buyer's primary residence and excludes second homes, investment properties, or non-owner-occupied properties. The promotion is only available to purchasers who choose CrossCountry Mortgage, LLC ("CrossCountry") - Sawyer Team Branch 3861 as their lender. You are not required to utilize CrossCountry for your home purchase financing; purchasers are encouraged to evaluate their home financing options before selecting a lender. Buyer will be responsible for applicable loan level price adjustments and meeting underwriting guidelines and conditions. Limited time offer subject to change or termination without notice; cannot be combined with any other discount or offer and may change or terminate without notice. Closing-cost assistance, subject to interested-party contribution limits. Other terms may apply; please consult First Texas Homes or a CrossCountry — Sawyer Team loan officer for details. First Texas Homes is an equal-opportunity home builder. Square footages are approximate and may vary by plan, options, elevation, and location. Pricing is valid as of 09/01/2026 and is subject to change. Contact a First Texas Homes sales consultant to verify features, square footage, availability, and pricing.
