All products are subject to credit and property approval. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. 1Scenario is an estimate and is based on primary residences only, 640 FICO score and a 2/1 buydown on a $400,000 purchase price with an FHA 30-year agreement (360 months) fixed rate loan amount of $392,755 at 96.5% LTV. Year 1 (0-12 months) rate at 3.99%, APR of 6.746%, and monthly payment of $2,048; year 2 (13-24 months) rate of 4.99%, APR of 6.746%, and monthly payment of $2,282; and a year 3-30 (25-360 months) rate of 5.99%, APR of 6.746%, and monthly payment of $2,528. Monthly payments include principal, interest, and mortgage insurance. Example payment does not include property taxes, homeowners’ insurance, HOA or CDD (if applicable) and payment obligation may be greater. 5.99% final note rate is based on a builder paid forward commitment to buydown the market rate. The forward commitment is offered on government loans for primary residences only. 2/1 Buydown Program: Rate reduction up to 2%; buy down rate for up to 2 years; adjusts 1% each year; returns to original fixed rate after buy down period; seller will pay for the buy down. Offer valid for select homesites on loans closed on or before December 30th, 2023; see your builder representative for further details on expiration terms and available homesites. This is not a commitment to lend.

©Jet HomeLoans, LP SM (“Jet”) NMLS ID# 1660135. Corporate Office: 14701 Philips Highway, Suite 202, Jacksonville, FL 32256 | 833-270-7191. Georgia Residential Mortgage Licensee# 58935. Jet is a partnership with Dream Finders Homes. Jet is not acting on behalf of or at the direction of FHA/HUD/VA or the federal government. All products are subject to credit and property approval. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. This is not a commitment to lend. NMLS Consumer Access: www.nmlsconsumeraccess.org. *Scenario is an estimate only and is based on a 640 FICO score on a 30 year (360 months) FHA fixed-rate mortgage at a sales price of $325,169, 96.5% LTV, loan amount of $313,788, rate of 4.99%, and APR of 5.786%, which would result in a principal and interest payment of $1,712. Payment scenario does not include taxes, insurance, or HOA fees (if applicable) and the actual payment obligation may be greater. The 4.99% rate shown is based on a builder paid forward commitment to buydown the market rate. The forward commitment may not be available on all loan programs. Borrower is not required to finance through Jet but must use Jet to receive incentives. See a Dream Finders Homes representative for details. Only available in selected Dream Finders Homes communities on select inventory for contracts written and closed by February 28^th, 2025

*Applies to select quick move-in homes.