Receive a 9-Month Rate Lock With a Float-Down Bonus – Build Your Home With Certainty!

December 9 - 31, 2025

Whether rates go up or down, we've got you covered!

Details:

Do you want to build your dream home but unsure if rates will go up or down? 

If you purchase your M/I Home between now and the end of the year and close by July 31, 2026, you can lock in the following interest rate—so you don’t have to worry if rates go up or down later:

• FHA: 4.875% Rate* / 6.03% APR*
• VA: 4.875% Rate** / 5.592% APR**
• Conventional: 4.875% Rate*** / 5.478% APR***

If rates go down before you close, you can still get the lower rate with a Float Down Bonus! This one-time option gives you the best of both worlds—protection if rates rise, and savings if they fall. Take the "un" out of uncertainty and feel certain that now IS the time to buy. M/I Homes is offering certainty and flexibility as you plan your move!

*The interest rate of 4.875% is based on a 30-year fixed rate FHA loan with a sales price of $400,000 and a $386,000 loan amount. Financed amount is $392,755 which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 is required. The ANNUAL PERCENTAGE RATE is 6.03%. Program is available on select homes only and applies to new contracts written on or after 12/9/25. Promotion does not apply to cancellations, re-writes, 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 qualification requirements of the program. The buyer must make a loan application within 48 hours of contract signing and must close by July 31st, 2026. If interest rate is lower 30 days prior to closing buyer has the option to float down to current market rate. There is an upfront charge of 1% required for the required Float Down.  The rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Maximum allowable FHA county loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Funds are limited and program can be discontinued at any time and without notice. Restrictions do apply.

**The interest rate of 4.875% applies to a 30-year fixed VA loan with a financed funding fee of 3.3% based on a $400,000 sales price and a $413,200 loan amount. A 0% down payment and a minimum credit score of 640 is required. The ANNUAL PERCENTAGE RATE is 5.592%. Program is available on select homes only and applies to new contracts written on or after 12/9/25. Promotion does not apply to cancellations, re-writes, 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 qualification requirements of the program. The buyer must make a loan application within 48 hours of contract signing and must close by July 31, 2026. If interest rate is lower 30 days prior to closing, buyer has the option to float down to current market rate. There is an upfront charge of 1% for the required Float Down.  Maximum allowable VA county loan limits apply. The rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Financing is offered through M/I Financial, LLC (NMLS# 50684). Funds are limited and program can be discontinued at any time and without notice. Restrictions do apply.

***The interest rate of 4.875% is based on a 30-year fixed rate conventional loan. The sales price is $400,000 with a loan amount of $360,000. A 10% down payment and a minimum credit score of 720 is required. The ANNUAL PERCENTAGE RATE is 5.478%. Program is available on select homes only and applies to new contracts written on or after 12/9/25. Promotion does not apply to cancellations, re-writes, 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 qualification requirements of the program. The buyer must make a loan application within 48 hours of contract signing and must close by July 31, 2026. If interest rate is lower 30 days prior to closing buyer has the option to float down to current market rate. There is an upfront charge of 1% for the required Float Down.  The 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). Funds are limited and program can be discontinued at any time and without notice. Restrictions do apply.