Move In Now, Pay Less

For a limited time, secure a 2/1 buydown with first-year rates as low as 2.875%* / 4.9437% APR* on a 30-year fixed conventional loan or lock in an incredible 3.99% Rate** / 5.316% APR** with a 7/6 ARM Fixed for 7 Years** through M/I Financial, LLC. Learn more about how you can increase your home buying power today!

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Thinking about buying a new home but worried about high interest rates? Then we have great news!

M/I Financial now offers two programs that make it easier to buy a home today, rather than waiting for interest rates to drop.

Buy Down Your Rate

Our 2/1 buydown on a 30-year fixed-rate conventional loan dramatically lowers your payments for the first two years of your mortgage, putting a great new home within your reach.

  • Year 1: 2.875% Rate* / 4.9437% APR*
  • Year 2: 3.875% Rate* / 4.9437% APR*
  • Years 3-30: 4.875% Rate* / 4.9437% APR*

Worry-Free Fixed Rate

Our exclusive 3.99% Rate** / 5.316% APR** 7/6 ARM loan gives you a fixed reduced rate for the first 7 years of owning your new home.

  • Years 1 – 7: 3.99% Rate**/ 5.316% APR**
  • Years 8-30:  Interest rate and payment adjust every 6 months based on index rate changes.**
  • Be sure to ask about our FHA and VA Loan options.
   Contact our team today for information on homes that qualify for these programs.

*The interest rate of 4.875% is based on a 30-year fixed-rate conventional loan with a 2/1 buydown and a 20% down payment. The sales price is $500,000 with a loan amount of $400,000. The 4.875% interest rate is temporarily reduced in year 1 to 2.875%, year 2 to 3.875% and will be 4.875% in years 3-30. The ANNUAL PERCENTAGE RATE is 4.9437%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after January 1, 2026. 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 April 30, 2026. 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. Illinois Residential Mortgage License Nationwide Multistate Licensing System and Registry’s Consumer Access website (https://nmlsconsumeraccess.org).

**The interest rate is based on a 30-year Conventional 7/6 ARM with a 20% down payment for new contracts executed on or after 2/4/26 that close by 3/31/26. In the first 7 years, the interest rate is 3.99%. After 84 payments, the interest rate will increase or decrease a maximum of 5%. Buyer must occupy the property as their primary residence and meet all qualifications requirements of the program. A minimum 720 FICO is required. No exceptions. Thereafter, the interest rate is subject to change every 6 months and can increase or decrease a maximum of 1% with a lifetime minimum interest rate of 2.75% and a lifetime maximum interest rate of 8.99%. The adjustments are based on the 30-day average SOFR index plus a margin of 2.75%. The ANNUAL PERCENTAGE RATE is 5.316%. Assuming the 30-day average SOFR index is the same after 84 payments as it is on 1/16/2026 the simple interest rate after the first adjustment would be 6.452% and would remain constant for the next 6 months. There is no guarantee that the index will remain the same during the life of the loan; therefore, the APR may increase or decrease during the term of the loan.

Communities offering this incentive

For a limited time, secure a 2/1 buydown with first-year rates as low as 2.875%* / 4.9437% APR* on a 30-year fixed conventional loan or lock in an incredible 3.99% Rate** / 5.316% APR** with a 7/6 ARM Fixed for 7 Years** through M/I Financial, LLC. Learn more about how you can increase your home buying power today!

Autumn Ridge

North Aurora, IL

Becketts Landing

South Elgin, IL

Fieldstone

Huntley, IL

Hawthorn Woods Country Club

Hawthorn Woods, IL

Leighton Pointe

Plainfield, IL

Lockley Park

Plainfield, IL

Northwoods of Naperville

Naperville, IL

Piper Glen

Oswego, IL

Riverstone

Plainfield, IL

Sadie Ridge

Lockport, IL

Somerset at Piper Glen

Oswego, IL

The Townes at Becketts

South Elgin, IL

The Townes at Farmingdale

Woodridge, IL

The Townes at Sadie

Lockport, IL

The Villas at Hawthorn Woods Country Club

Hawthorn Woods, IL

The Villas at Lockley

Plainfield, IL

The Villas at Riverstone

Plainfield, IL