Lower Payments With 2/1 Buydown

November 9 - December 20, 2026

Increase your home buying power and decrease your rate for the first two years of your mortgage with M/I Financial, LLC. With our 2/1 buydown, receive first-year rates as low as 3.25 Rate* / 6.027% APR* on a 30-year fixed-rate FHA loan. Learn more about our 2/1 buydown offer on new homes that can close by December 23, 2026.

First Year Rates: 3.25% Rate* / 6.027% APR*

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

M/I Financial now offers you a program to dramatically lower your payment for the first two years of your mortgage, putting a great new home within your reach.

Our 2/1 buydown on a 30-year fixed-rate FHA loan* on select Quick Move-In homes helps make it easier to buy a home today, rather than waiting for interest rates to drop.

Year 1: 3.25% Rate* / 6.027% APR*
Year 2: 4.25% Rate* / 6.027% APR*
Years 3–30: 5.25% Rate*/ 6.027% APR*

Or take advantage of our 2/1 buydown on a 30-year fixed-rate conventional loan** available now for a limited-time on select Quick Move-In homes closing by December 23rd.

Year 1: 3.875% Rate** / 6.104% APR**
Year 2: 4.875% Rate **/ 6.104% APR**
Years 3–30: 5.875% Rate** / 6.104% APR**

These rates won't last long, so contact our team today for more information on homes that qualify for this program before it's too late!

*The interest rate of 5.25% is based on a 30-year fixed-rate FHA loan with a 2/1 buydown on a sales price of $425,000 and a loan amount of $417,302. Financed amount is $417,302, which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 are required. The 5.25% interest rate is temporarily reduced to 3.25% in year 1, 4.25% in year 2, and will be 5.25% in years 3-30. The ANNUAL PERCENTAGE RATE is 6.027%. Program is available on selected Quick Move-In homes and applies to new contracts only written between November 9, 2026, and December 23, 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. Buyers 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 December 23, 2026. Other financing programs may be available with as little as 0% 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). Restrictions do apply.

**The interest rate of 5.875% is based on a 30-year fixed-rate conventional loan with a 2/1 buydown on a sales price of $425,000 and a loan amount of $403,750. A 5% down payment and a minimum credit score of 720 are required. The 5.875% interest rate is temporarily reduced to 3.875% in year 1, 4.875% in year 2, and will be 5.875% in years 3-30. PMI will be required and is included in the APR. The ANNUAL PERCENTAGE RATE is 6.104%. Program is available on selected Quick Move-In homes and applies to new contracts only written between November 9, 2026, and December 23, 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. Buyers 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 December 23, 2026. Other financing programs may be available with as little as 3.5% 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). Restrictions do apply.