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Silverton Mortgage is authorized to originate FHA loans, but it is not an agent of, or affiliated with, the U.S. Government.

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.

Contact your Mungo Homes sales manager for a list of eligible homes. Contracts written before 3/31/26. Loan must close before 6/30/26. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

Example of 75% LTV Conventional Loan Program with $400,000.00 sales price. $300,000.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $1,608.63 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Down payment of $100,000 required. Example assumes 780 credit score and includes $1,495 origination fee, 5.147% APR, and 4.99% interest rate as of 09/09/25. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Contact your Mungo Homes sales manager for a list of eligible homes. Contracts written on or after 09/09/25. Loan must close before 01/08/26.

Example of 96.5% LTV FHA Loan Program with $350,000.00 sales price. $343,660.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $1,792.69 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Down payment of $12,250 required. Example assumes 780 credit score and includes $1,595 origination fee, 5.531% APR, and 4.75% interest rate as of 02/27/2026. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Contact your Mungo Homes sales manager for a list of eligible homes.

Example of 100% LTV (0% Cash Down) VA Loan Program with $350,000.00 sales price. $350,000.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $1,938.67 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. 0% cash down payment of $0 required. Example assumes 780 credit score, 5.302% APR, and 4.99% interest rate as of 07/22/2025. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Contact your Mungo Homes sales manager for a list of eligible homes.

Example of FHA 96.5% LTV (3.5% Down Payment) 2-1 Buydown Loan Program with $350,000 sales price, $343,660 loan amount, $12,250 cash down payment 30-year fixed-rate loan with 0 points - $1,842.74 monthly payments. First-year monthly payment $1,447.03 with an interest rate of 2.99%, 5.746% APR. Second Year monthly payment $1,638.70 with an interest rate of 3.99%,  5.746% APR. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Example includes $1,495 origination fee. 5.746% APR and 4.99% interest rate for years 3-30 of the loan as of 07/22/2025 and a credit score of 720. Rates, fees, other charges and terms are subject to change. Available loan programs and terms will vary by state. Product requires a seller contribution of $7,197.00 to pay for the cost of the 2/1Buydown.

Example of FHA 96.5% LTV (3.5% Down Payment) 3-2-1 Buydown Loan Program with $400,000 sales price, $392,755 loan amount, $14,000 cash down payment 30-year fixed-rate loan with 0 points - $2,105.99 monthly payments. First-year monthly payment $1,449.74 with an interest rate of 1.99%, 5.746% APR. Second Year monthly payment $1,653.75 with an interest rate of 2.99%,  5.746% APR. Third Year monthly payment $1,872.81 with an interest rate of 3.99%,  5.746% APR.  Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Example includes $1,495 origination fee. 5.746% APR and 4.99% interest rate for years 4-30 of the loan as of 07/22/2025 and a credit score of 720. Rates, fees, other charges and terms are subject to change. Available loan programs and terms will vary by state. Product requires a seller contribution of $16,100.04 to pay for the cost of the 2/1Buydown.

*Contact the community sales manager for a list of eligible homes. Contracts written on or after 02/09/2026. Loan must close before 08/09/2026. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

**Example of 96.5% LTV (3.5% Cash Down) FHA 5/1 ARM Loan Program with $400,000 sales price. 392,755 loan amount - 5-yr adjustable rate loan (30-yr term) with zero points based on 360 monthly payments. 3.5% cash down payment of $14,000 required. Example includes $1,595 origination fee, 5.422% APR, and 3.49% interest rate as of 02/09/2026. Initial monthly payment will be $1,761.45 (principal and interest only). After the initial fixed rate period and subject to the interest rate adjustment caps, the maximum first adjusted rate for this example will never be more than 4.49% with a first adjustment maximum payment of $1,987.70 (principal and interest only). The maximum lifetime rate will never be more than 8.49% with an estimated maximum monthly payment (principal and interest only) of $3,017.16. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Your interest rate and payment may increase with the first or any subsequent adjustment. This example assumes the Treasury index will be used throughout the life of the loan and will not change. Fees, other charges, and terms subject to change. Available loan programs and terms will vary by state.

***Example of 100% LTV (0 Down) 5/1 ARM VA Loan Program with $400,000 sales price. 400,000 loan amount - 5-yr adjustable rate loan (30-yr term) with zero points based on 360 monthly payments. 0% cash down payment of $0 required. Example includes $1,595 origination fee, 4.733% APR, and 3.49% interest rate as of 02/09/2026. Initial monthly payment will be $1,793.95 (principal and interest only). After the initial fixed rate period and subject to the interest rate adjustment caps, the maximum first adjusted rate for this example will never be more than 4.49% with a first adjustment maximum payment of $2,091.17 (principal and interest only). The maximum lifetime rate will never be more than 8.49% with an estimated maximum monthly payment (principal and interest only) of $3,072.82. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Your interest rate and payment may increase with the first or any subsequent adjustment. This example assumes the Treasury index will be used throughout the life of the loan and will not change. Fees, other charges, and terms subject to change. Available loan programs and terms will vary by state.

Vanderbilt Mortgage and Finance, Inc., dba Silverton Mortgage, 1201 Peachtree St NE, Ste 2050, Atlanta, GA 30361, 404-815-0291, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act license, Licensed by the N.J. Department of Banking and Insurance, Licensed by PA Dept. of Banking and Securities, Rhode Island Licensed Lender. Licensing information: https://silvertonmortgage.com/licensing/. Equal Housing Opportunity. 07/2025