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† $727.42 payment is based on a $139,990 sales price with a 30-Year Fixed Rate FHA Mortgage at 4.875%. The ANNUAL PERCENTAGE RATE is 5.374%. Program requires a minimum down payment based on 3.5% of the sales price. Payments may vary, due to mortgage insurance adjustments, in years 1 - 10 from $781.53 to $770.61 and will be $725.63 in years 11 - 30. Payment does not include property taxes or homeowner's insurance. Payment does include FHA mortgage insurance. Program is available exclusively through M/I Financial Corp. Buyer must meet all loan qualification requirements and a minimum credit score of 660. Buyer must make loan application within 24 hours of contract signing and must close within 30 days. Rate is subject to change without notice.**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.