Sail Home

4.875% 30 year fixed rate

*The interest rate of 4.875% is based on a 30-year fixed-rate conventional loan with a 20% down payment. The sales price is $500,000 with a loan amount of $400,000. The ANNUAL PERCENTAGE RATE is 4.9249%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written between June 25, 2026 to July 13, 2026. Promotion does not apply to cancellations, rewrites, or transfers. Seller closing cost credits are up to $5,000 if financing is not a 2/1 buydown product. Closing costs exclude prepaid items such as taxes, insurance and escrows. Buyer will be responsible for any down payment required by the loan program guidelines and any upfront mortgage insurance premiums. 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 Sept. 30th, 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. Funds are limited and program can be discontinued at any time and without notice.

2/1 Buydown

**Conventional - The promotional rate is based on a sales price of $500,000 with a loan amount of $ 450,000. The 4.875% interest rate applies to a 2/1 temporary buydown. In the first year, the interest rate is 2.875%, in the second year the interest rate is 3.875 % and in years 3 through 30 the interest rate is 4.875%. PMI will be required and is included in the APR with a 10% down payment. The ANNUAL PERCENTAGE RATE is 5.096%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after June 25, 2026 to July 13, 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. 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 Sept. 30th, 2026. Other financing options may be available. 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 program can be discontinued at any time and without notice.

***FHA - The promotional rate is based on a sales price of $ 500,000 with a base loan amount of $ 482,500. 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 is required. The 4.875 % 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 2.875%, in the second year the interest rate is 3.875% and in years 3 through 30 the interest rate is 4.875%. The ANNUAL PERCENTAGE RATE is 5.639%. Program is available on select homes only and applies to new contracts written on or after June 25, 2026 to July 13, 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. 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 Sept. 30th, 2026. 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 program can be discontinued at any time and without notice.

****VA - The promotional rate is based on a sales price of $ 500,000 with a base loan amount of $500,000. The Financed amount is $ 510,750 which includes the VA Funding Fee of 2.15%. A 0% down payment and a minimum credit score of 640 is required. The 4.875 % interest rate applies to a 2/1 temporary buydown on a 30 year fixed rate VA loan. In the first year, the interest rate is 2.875%, in the second year the interest rate is 3.875 % and in years 3 through 30 the interest rate is 4.875 %. The ANNUAL PERCENTAGE RATE is 5.472%. Program is available on selected Quick Move-In homes and applies to new contracts only written on or after June 25, 2026 to July 13, 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. 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 Sept. 30th, 2026. 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 program can be discontinued at any time and without notice.

Long term lock

*****Conventional Long term Lock - The interest rate of 5.5 % 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 5.756%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written between June 25, 2026 to July 13, 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. 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 February 26th, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If interest rate is lower 30 days prior to closing, buyer has the option to float down to 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 program can be discontinued at any time and without notice. 

******FHA Long term lock - The interest rate of 5.5 % is based on a 30-year fixed rate FHA loan with a sales price of $500,000 and a loan amount of 482,500. 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 is required. The ANNUAL PERCENTAGE RATE is 6.475%. Program is available on select homes only and applies to new contracts written between June 25, 2026 to July 13, 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 February 26th, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If interest rate is lower 30 days prior to closing, buyer has the option to float down to 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 program can be discontinued at any time and without notice.

*******VA Long Term Lock - The interest rate of 5.5 % 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 is required. The ANNUAL PERCENTAGE RATE is 5.726%. Program is available on selected Quick Move-In homes and applies to new contracts only written between June 25, 2026 to July 13, 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. 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 February 26th, 2027. A 1% prepaid lock deposit is due at the time of rate lock. If interest rate is lower 30 days prior to closing, buyer has the option to float down to 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 program can be discontinued at any time and without notice.

^Available on to-be built homes and must be able to close by February 26th, 2027.

`Buyer is eligible to receive 50% off options up to a maximum of $30,000 (maximum of $15,000 discount) in options on Patio Villas, Basement Villas, Prestige Home Series and Smart Series Homes. Valid on new to-be-built contracts written between 6/22/2026-7/13/2026. The maximum promotion amount varies by community, floorplan, homesite, and the total dollar amount of options selected. Promotion available in select communities, and on select homesites. Offer is not available on townhomes. See an M/I Homes New Home Consultant for community-specific promotion value and complete details.