Move In Now, Pay Less

A high-quality home doesn't have to mean a higher payment. For a limited time, secure a 2/1 buydown with first-year rates as low as 3.25% Rate* / 6.021% APR* on a 30-year fixed FHA loan through M/I Financial, LLC on quick move in homes⁺ or a long term rate lock on to be built homes⁺⁺. Increase your home-buying power and lower your rate today.


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

Whether you're purchasing a quick move in home, or building from the ground up, MI Financial, LLC now offers you a program that dramatically lowers your payments, putting a great new home within your reach. 

Quick Move In Homes⁺ : 

✅ 2/1 Buydown on a 30-Year Fixed FHA Loan:*

  • Year 1: 3.25% Rate* / 6.021% APR*
  • Year 2: 4.25% Rate* / 6.021% APR*
  • Years 3-30: 5.25% Rate* / 6.021% APR* 

To-Be Built Homes⁺⁺ : 

  • 6.25% Rate†/ 6.562% APR† - Conventional 30-year fixed-rate mortgage
  • 6.25% Rate†† / 7.039% APR†† - FHA 30-year fixed-rate mortgage
  • 6.25% Rate††† / 6.490% APR††† - VA 30-year fixed-rate mortgage

Secure more home for your money, more space for your family, and more savings in your pocket to enjoy the things you love most.

 

⁺Quick move in homes in select communities, must be available and able to close prior to January 29th, 2027. See New Home Consultant for details. 

*2/1 Buydown with a 30-Year FHA Fixed-Rate Mortgage  - The 5.25% promotional rate is based on a sales price of $ 500,000 with a base loan amount of $ 482,500. The financed amount is $ 484.419, 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 applies to a 2/1 temporary buydown on a 30-year FHA Fixed Rate loan. In the first year, the interest rate is 3.25%; in the second year, the interest rate is 4.25%; and in years 3 through 30, the interest rate is 5.25%. The ANNUAL PERCENTAGE RATE is 6.021%. Program is available on select homes only and applies to new contracts written on or after November 9th, 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 January 29th, 2027. Other financing options may be available with as little as 0% down. Rates are subject to change without notice and are 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.  Funds are limited, and the program can be discontinued at any time and without notice. 

⁺⁺Available on To-Be-Built homes and must be able to close by May 28th, 2027.

†Conventional Long-Term Rate Lock - The interest rate of 6.25% is based on a 30-year fixed-rate conventional loan with a 10% down payment. The sales price is $500,000 with a loan amount of $ 450,000. PMI will be required and is included in the APR. The ANNUAL PERCENTAGE RATE is 6.562%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after November 9th, 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 May 28th, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If the interest rate is lower 30 days prior toclosing, 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. Other financing options may be available with as little as 5% down. Rates are subject to change without notice and are 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. Funds are limited, and the program can be discontinued at any time and without notice.

††FHA Long-Term Rate lock - The interest rate of 6.25% is based on a 30-year fixed-rate FHA loan with a sales price of $500,000 and a loan amount of 482,500. The financed amount is $490,943, which includes the FHA UFMIP of 1.75%. A 3.5% down payment and a minimum credit score of 640 are required. The ANNUAL PERCENTAGE RATE is 7.039%. Program is available on select homes only and applies to new contracts written on or after November 9th, 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. The 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 May 28th, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If the interest rate is lower 30 days prior toclosing, 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. Other financing programs may be available. Rates are subject to change without notice and are 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. Funds are limited, and the program can be discontinued at any time and without notice.

†††VA Long-Term Rate Lock - The interest rate of 6.25% is based on a 30-year fixed-rate VA loan with a sales price of $500,000 and a loan amount of 500,000. The financed amount is $510,750, which includes the VA Funding Fee of 2.15%for first-time users. Subsequent users may be subject to a higher funding fee. A 0% down payment and a minimum credit score of 640 are required. The ANNUAL PERCENTAGE RATE is 6.490%. Program is available on selected Quick Move-In homes and applies to new contracts only written on or after November 9th, 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 May 28th, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If the interest rate is lower 30 days prior to closing, thebuyer has the option to float down to the current market rate. Contact your MIF Loan Officer for more details on the Float-Down option. Other financing programs may be available. 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). Restrictions do apply. Maximum allowable VA county loan limits apply. Restrictions do apply. Funds are limited, and the program can be discontinued at any time and without notice.