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.
3.99% Rate Buydown Zero Downpayment: First Texas Homes has secured promotional financing through CrossCountry Mortgage Branch 3861 (“Preferred Lender”) using a limited pool of committed funds. This financing is made available through a builder-funded forward commitment with additional lender-funded rate incentives. The promotional rate is available for a limited time until the pool of funds is depleted or the rate commitment expires, whichever occurs first. Although Buyer is not required to use the Preferred Lender to purchase a home, this promotional financing is available only to qualified buyers obtaining financing through the Preferred Lender. The 3.99% introductory interest rate is fixed for the first five years of a 30-year loan term—not for the entire loan term. Beginning in year six, the interest rate adjusts annually based on the index, margin, and adjustment limits specified in the loan documents. The interest rate and monthly payment may increase after the initial five-year period.
Offer applies to new contracts written for a limited time on select First Texas Homes inventory homes that close on or before October 30, 2026 priced below $563,000. Financing example is based on a $450,000 sales price, a 3.5% down payment maximum 96.5 LTV, a 30-year FHA 5/1 ARM, and a minimum qualifying FICO score of 680. Offer is subject to credit approval, underwriting, property eligibility, rate-lock requirements, and availability of committed funds. Not all borrowers will qualify. Property taxes, homeowners’ insurance, FHA mortgage insurance, and any applicable homeowners association dues are additional costs beyond principal and interest and will increase the buyer’s total payment obligations.
Offer cannot be combined with other offers and excludes Bond/Down Payment Assistance loans. Buyer is responsible for the required down payment and any closing costs or prepaid expenses not covered by approved credits. Any additional seller-paid closing-cost credits are subject to actual eligible costs and applicable loan program contribution limits. Unused closing-cost credits will be forfeited, have no cash value, and cannot be applied toward the required down payment. Promotional availability is subject to change or discontinuation without prior notice; locked loans remain subject to their rate-lock terms. Contact your First Texas Homes Sales Counselor and the Preferred Lender for complete program details.
*CrossCountry Mortgage (CCM) No-Interest Offer: Available for a limited time on select eligible homes financed through CrossCountry Mortgage. Buyer pays no interest for the first three (3) monthly payments of the loan term. Buyer remains fully responsible for all monthly principal payments, property taxes, homeowner's insurance, mortgage insurance (PMI), and any applicable HOA dues or assessments during this period and for the remainder of the loan term. Subject to underwriting guidelines, borrower credit approval, and loan program terms; not all applicants will qualify.
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 10/31/2026 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 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.
Free Washer, Dryer & Refrigerator: Free washer, dryer, and refrigerator promotion available with new purchase agreements executed from September 11 through September 30, 2026, on select eligible inventory homes and build-to-order homes in participating First Texas Homes communities. Appliance package is offered in addition to any otherwise applicable Flex Cash incentive, subject to the terms and eligibility requirements of each promotion. Offer applies only to homes specifically designated by First Texas Homes as eligible.
Appliance package includes builder-selected washer, dryer, and refrigerator models and/or finishes, subject to availability. Specific brands, models, colors, features, and specifications may vary and are subject to substitution with items of comparable value at the builder’s discretion. No cash value, credit, substitution, or reduction in purchase price will be provided for appliances declined by the buyer unless otherwise agreed to in writing by First Texas Homes. Installation, accessories, connections, or modifications not expressly included in the purchase agreement may be the buyer’s responsibility.
Offer is non-transferable, has no cash surrender value, and may not be applied to previously executed contracts. Home, community, and buyer eligibility requirements apply. First Texas Homes reserves the right to modify, extend, discontinue, or substitute this promotion at any time prior to execution of a qualifying purchase agreement. See a First Texas Homes sales consultant for complete details and eligible homes.
