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† Monthly payment based on a sales price of $109,900 on an FHA 30 yr. fixed, owner occupied mortgage, 96.5% LTV with a note rate of 5.375%. APR 6.056%. Payment shown does not include taxes, insurance, monthly MIP or HOA fees. A 1% Lock Commitment Fee is paid at the time the rate is locked for 180 days. This fee may be refunded towards the Origination Fee required to be paid by Buyer. Must use M/I Financial to receive this promotion and make application within 48 hours of contract. Rates are subject to change anytime without notice. Certain restrictions apply.**Tax credit equals ten percent of the purchase price up to a maximum of $8,000. Only first time home buyers are eligible (defined as US citizens who have not owned a home for the preceding three years). The credit is based on the home buyers modified adjusted gross income (MAGI). For individuals, the full tax credit is available for MAGI below $75,000 and phased out from $75,000 to $95,000. For a married couple filing jointly, the full tax credit is available for MAGI below $150,000 and phased out from $150,000 to $170,000. The tax credit is applied against the home buyers tax bill or refunded in cash if the credit exceeds the home buyers tax liability. For more information, visit www.federalhousingtaxcredit.com. 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.