Long-Term Rate Lock With a Float-Down Bonus

Lock in your limited-time, below-market rate† now and still get a better one if rates drop.

Details

Need to close on a home later this year? Here’s the smart way to save.

If you close by May 28, 2027, you can lock in the following interest rate—so you don’t have to worry if rates go up later:

30-Year Fixed Conventional: 6.25% Rate* / 6.516% APR*

And here’s the best part: if rates go down before you close, you can still get the lower rate. This one-time option gives you the best of both worlds, protection if rates rise and savings if they fall. It’s all about giving you more confidence and flexibility as you plan your move!

*The interest rate of 6.25% is based on a 30-year fixed-rate conventional loan. The sales price is $535,000 with a loan amount of $481,500. PMI will be required and is included in the APR. A 10% down payment and a minimum credit score of 720 are required. The ANNUAL PERCENTAGE RATE is 6.516%. This program is available for select Quick Move-In homes and applies only to new contracts written between September 14, 2026 and October 11, 2026. Promotion does not apply to cancellations, rewrites, or transfers. The seller's contribution is limited to agency limits, which depend on the loan program and LTV. Buyer must occupy the property as their primary residence and meet all program qualification requirements. The buyer must make a loan application within 48 hours of contract signing and must close between January 4, 2027 and May 28, 2027. Other financing options may be available with as little as 5% down. Rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Conforming conventional loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply. If the interest rate is lower 30 days before closing, the buyer has the option to float down to the current market rate. Contact your MIF Loan Officer for more details on the Float-Down option. A 1% prepaid lock deposit is due at the time of application/rate lock. Funds are limited, and the program can be discontinued at any time and without notice.

^†Below-market rate as compared to the weekly Freddie Mac Primary Mortgage Market Survey.