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*The advertised product is a 30 year Conventional fixed rate mortgage with 360 equal monthly payments. The 3.875% rate and APR are available with a 20% down payment. Other financing programs may be available with as little as 3.5% down. The ANNUAL PERCENTAGE RATE is 3.875%. Program is available on selected inventory homes only. Buyer must occupy the property and meet all qualification requirements of the program. Payments are based on a minimum 720 credit score. Buyer must make loan application within 48 hours of contract signing and must close 04/30/10. Rate is subject to change without notice. Financing is offered through M/I Financial Corp.
**The free Whirlpool 25.3 cu. ft. Side-by-side refrigerator (model ED5FHEXVS) and 2" faux blinds are only offered on inventory homes only that can close by 4/30/10. Buyer may not substitute the above items for a reduction in base price of home or other items offered by the M/I Homes Design Center. This program is subject to change without notice and could end at anytime. See M/I New Homes Consultant for complete details as some restrictions may apply.
***For first-time buyers (defined as US citizens who have not owned a principal residence for the preceding three years), the tax credit equals ten percent of the purchase price up to a maximum of $8,000. The $6,500 credit is available to current homeowners who have owned the same principal residence for any 5-consecutive year period during the 8-year period ending on the date of the settlement. For married tax payers, both individuals must meet the requirements. The credit is based on the home buyer's modified adjusted gross income (MAGI). For individuals, the full tax credit is available for MAGI below $125,000 and phased out from $125,000 to $145,000. For a married couple filing jointly, the full tax credit is available for MAGI below $225,000 and phased out from $225,000 to $245,000. The tax credit is applied against the home buyer's tax bill or refunded in cash if the credit exceeds the home buyer's tax liability. Credit is subject to recapture if you sell your home or use your home other than as your principal residence at any point within the 36-month period following the closing of your home. Property must be in contract by 4/30/10 and close no later than 6/30/10. For more information, visit www.federalhousingtaxcredit.com. Additional terms and conditions apply. The foregoing is for informational purposes only and does not constitute tax advice. Please consult your tax advisor to determine if you qualify for the tax credit. Service personnel should inquire about special considerations that apply.