Built for Great Rates
For a limited time, you can secure rates as low as 3.875% Rate** / 5.6411% APR** on a 1/0 buydown 30-year fixed FHA loan through M/I Financial, LLC. These rates are available on select homes throughout the Charlotte area.
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Across the Charlotte area, M/I Homes is built for you.
We have designed and built homes in great locations specifically to suit the needs and quality of life that buyers want. We have built homes for action-packed mornings, lazy afternoons, and cozy nights. For the toughest and most trying days, moments to remember, and days where there is no place like home.
Built for you, built for your family, by your neighbors, for nearly fifty years, by one of the nation’s leading homebuilders.
We are offering special pricing on most of our Quick Move-In homes that can contract by July 9th and close by July 31st.
And receive up to 5% in paid closing costs*, which can be used to lock in a 1/0 FHA loan rate buydown** offered through M/I Financial, LLC!
- Year 1: 3.875% Rate**/ 5.6411% APR**
- Years 2-30: 4.875% Rate** / 5.6411% APR**
Interested in a home under construction that is not quite move-in ready? We're offering a special rate lock program that can contract by June 30th and close by the December 31, 2025:
- A 5.50% Rate***/6.281% APR***based on a 30-year fixed rate FHA loan or
- A 5.875% Rate****/6.1022% APR**** based on a 30-year fixed rate conventional loan
- And you will receive discounts on homesite premiums, including 1/2 off or even the entire premium waived in select communities*****
We have quality homes built for you in the best locations. Find your new home now and set up a private appointment to see the home in person through the assistance of our Internet Sales Managers.
*The up to 5% in paid closing costs is valid only on quick move-in homes that contract by July 9, 2025, and close by July 31, 2025. Paid closing costs may vary per home and apply to buyer’s costs, including allowable closing costs, pre-paid and capital contribution fees, and/or discount points (excluding fees from home inspections, radon inspections, or any other buyer-elected transaction fee). The buyer is responsible for closing costs in excess of this contribution. The seller’s contribution is limited to agency limits of 3% to 6% (depending on the percentage of the down payment and loan program). The buyer will be responsible for any down payment required by the loan program guidelines and any upfront mortgage insurance premiums. Financing is offered through M/I Financial, LLC NMLS #50684. Prices and promotions are subject to change without notice. Restrictions apply and could change at any time. See an M/I Homes New Home Consultant for details.
**The interest rate is based on a 30-year FHA loan with a 1-0 buydown and is based on a sales price of $369,990 and a $357,040 loan amount. The financed amount is $363,288, 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 5.6411%. In the first year, the interest rate is 3.875%. In years 2 through 30, the interest rate is 4.875%. The program is available for selected Quick Move-In homes and applies to new contracts only. 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. Contracts need to be signed by July 9, 2025, and must close by July 31, 2025. Other financing programs may be available with as little as 5% 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 5.50% is based on a 30-year fixed rate FHA loan with a sales price of $414,508 and a $400,000 loan amount. The financed amount is $407,000, 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 6.281%. The program is available on select homes only and applies to new contracts written by June 30, 2025. 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 December 31, 2025. If the interest rate is lower 30 days prior to closing, the buyer has the option to float down to the current market rate. Other financing programs may be available with as little as 5% 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 the program can be discontinued at any time and without notice. Restrictions do apply.
****The interest rate of 5.875% is based on a 30-year fixed-rate conventional loan. The sales price is $414,508, with a loan amount of $331,606. A 20% down payment and a minimum credit score of 720 is required. The ANNUAL PERCENTAGE RATE is 6.1022%. The program is available on select homes only and applies to new contracts written by June 30, 2025. 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 December 31, 2025. If the interest rate is lower 30 days prior to closing, the buyer has the option to float down to the current market rate. Other financing programs may be available with as little as 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). Funds are limited, and the program can be discontinued at any time and without notice. Restrictions do apply.
*****Homesite premium discounts are offered in select communities. Homes must contract by June 30, 2025 and close by December 31, 2025. Offer can change at any time and can't be combined with the buydown rate mentioned above.
Have questions for us?
Ask about current properties or more details about this incentive, or call (704) 286-6498