*The advertised 4.99% (6.052% APR) interest rate is an example of a promotional rate available for qualified borrowers purchasing select homes from McKinley Homes in Houston, Texas. Rate assumes a 30-year FIXED FHA-insured loan with a minimum mid-credit score of 660, primary residence occupancy, and borrower meeting all credit, income, and underwriting guidelines.

*The advertised starting rate of 2.99% reflects a 2-1 temporary buydown in which the interest rate is reduced by 2% in year one and 1% in year two. After the buydown period, the note rate of 4.99% (6.052% APR) will apply for the remaining loan term. Temporary buydown funds are paid by builder / seller with credits as permitted by program guidelines. Example on a $400,000 loan amount, first 12 months payments at a 2.99% rate would be $1,685.60. Payments for months 13-24 at a 3.99% rate will be $1908.40. Payments for months 25-360 at a 4.99% rate will be $2145.95. Payments are based on principal and interest only. Payments shown due not include mortgage insurance, home insurance and property taxes which will result in a higher payment. Actual interest rate, APR, payment, and loan terms may vary based on borrower qualifications, loan amount, property type, occupancy, and market conditions. Not all applicants will qualify. FHA loans require mortgage insurance, which increases the monthly payment and APR. Offer is subject to change or withdrawal without notice and may be limited to specific homes, closing dates, and approved lender. Additional restrictions may apply. Advertised rates are based on pricing as of 2/26/26 and subject to change. This is not a commitment to lend. All loans are subject to credit approval, underwriting, and property appraisal.