*2/1 Buydown is available on move-in-ready homes that contract between 09/13/2026 and 12/31/2026 for 30-year fixed Conventional, FHA, or VA loans using the $10,000 Your Way Closing-Cost incentive toward a 2/1 interest-rate buydown. FHA Loan Scenario: 720 Minimum FICO, Sales price of $423,435, 3.50% minimum downpayment ($14,820), Max LTV 96.50% CLTV; Maximum amount financed: $408,615 Mortgage Insurance Premium (MIP) required. FHA Interest Rate starts at (Rate Yr1: 4.68% Payment Yr1: $2,114), (Rate Yr2: 5.68% Payment Yr2: $2,366), then (Rate Yr3-30: 6.68% Yr3-30 Payment: $2,631).

Conventional Loan Scenario: 780 Minimum FICO, Sales price of $423,435, Minimum 20.00% downpayment ($84,687), Private Mortgage Insurance (PMI) required when LTV > 80%. Max Loan Amount: $338,748 Mortgage Insurance (MI) required. Conventional Interest Rate starts at (Rate Yr1: 5.12% Yr1 Payment: $1,843) , (Rate Yr2: 6.12% Yr2 Payment: $2,057) , then (Rate Yr3-30: 7.12% Yr3-30 Payment: $2,281). Seller credits are capped at 3% for buyers contributing less than 10% down, and at 6% for buyers contributing between 10% and 20% down.

Payment examples are for illustration only and may vary depending on the buyers FICO, DTI Ratio, and LTV and are subject to change. Estimated Monthly payment is principal and interest only and excludes taxes, insurance, and applicable mortgage insurance. Buyer is responsible for any applicable Loan Level Price Adjustments (LLPAs) if applicable. 2/1 Buydown Program exclusions: Jumbo, USDA, and brokered loans; primary occupancy only. Assumptions include first-lien position and a 30-day rate lock. 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. 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.

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.