*Limited Time Fixed Long-Term Rate Reduction 4.990% / 5.797% APR (“Promotion”) valid on new contracts entered as of 11/10/25-3/31/26 (“Promotion Period”) on all eligible SimplyDwell homes (each, an “Eligible Home”) The advertised annual percentage rate (“APR”) of 5.797% is calculated using seller incentives and is based on an FHA 30-Year fixed rate mortgage with a Total Purchase Price of $292,900 and a loan amount of $287,595 3.50% down payment and 640 median credit score. Advertised estimated monthly payment includes principal and interest, mortgage insurance premium, estimated property taxes and hazard insurance premium. Monthly HOA dues are paid separately based on the then current assessments and are not included in the advertised payment. SimplyDwell has secured, through Neal Communities Funding, LLC. (“Affiliated Lender”), a pool of funds used to reduce interest rate by 1% based on current market rates posted daily on www.mortgagenewsdaily. com and is available for a limited time or until pool of funds is depleted. Buyer must reserve funds as of the Purchase Agreement Date and may elect to secure rate at any time during construction. Interest rates and loan products are subject to underwriting guidelines, loan qualification, and program guidelines. Actual savings will vary by the community, floor plan, lot premium, options of home and availability. The Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home but Promotion eligibility requires a buyer must (1) pre-apply with Affiliated Lender by visiting www.nealcommunities/finance-your-home prior to submitting offer to qualify for the finance Promotion; (2) use the services of Closing Agent selected by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria. Seller reserves the right to modify the above Promotion terms and/or Promotion Period at any time prior to contract. Maximum seller contributions apply. Not to be combined with any other incentive offer, except as otherwise expressly set forth above or in an Incentive Addendum to the Purchase Agreement. Other restrictions may apply. Neal Communities Funding, LLC. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Not all Borrowers will qualify. Services not available in all states. Neal Communities Funding, LLC, NMLS #1378794, 495 N Keller RD, Ste 550B, Maitland, FL 32751, Licensed locations: | FL #MLD1250 | www.nmlsconsumeraccess.org