3.49% FHA 5/1 ARM Rate Mortgage available on move-in-ready homes that contract between 09/13/2026 and 12/31/2026 and finance with Our Preferred Lender. Payment Assumptions are based on a 45 Day Lock, 680 Minimum Fico Score, Sales price of $456,859, minimum 3.50% down payment ($15,990) and a maximum amount financed $440,869. FHA Loans require 1.75% UFMI (Up Front Mortgage Insurance). Estimated Monthly payment is principal and interest only and excludes taxes, insurance, and applicable mortgage insurance. Rate, APR, and payment examples are estimates and subject to change based on borrower qualifications, credit profile, LTV, and market conditions. General Terms for All Programs Offer subject to credit approval; not all borrowers will qualify. Valid for new contracts on select inventory homes closing on or before 12/31/2026. Closing costs vary depending on loan structure and are the buyer’s responsibility. Offer excludes Down Payment Assistance loans. Rates, terms, and availability are subject to change or discontinuation without notice. Buyer is responsible for any applicable Loan Level Price Adjustments (LLPAs) if applicable. All loans subject to underwriting approval. Certain restrictions apply. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. All terms are subject to change without notice; loans are subject to underwriting guidelines and borrower credit profile, and not all applicants will be approved. Equal Housing Opportunity.

The up to $0 Flex Cash (the "Promotion") from First Texas Homes is available on to-be-built homes and inventory homes contracted on or after 09/13/2026 through 12/31/2026 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 finance with Our Preferred Lender. You are not required to utilize Our Preferred Lender 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 including the 3.49% 5/1 ARM Rate offer and may change or terminate without notice. Closing-cost assistance, subject to interested-party contribution limits. Total seller credit may not exceed actual closing costs or 6% of the loan amount including rate buydown, whichever is less. Any unused amounts will be forfeited. Other terms may apply; please consult First Texas Homes 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 09/13/2026 and is subject to change. Contact a First Texas Homes sales consultant to verify features, square footage, availability, and pricing.

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 09/13/2026 and is subject to change. Contact a First Texas Homes sales consultant to verify features, square footage, availability, and pricing. Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. Financing available through Our Preferred Lender.