Home Sale Offer Information

We at Stanley Martin Homes, LLC (“Stanley Martin” or the “Company”) request that you read this Home Sale Offer Information (“Offer Information”) as you review information regarding the homes presented on this website (the “Website”) since this Offer Information provides important details that are not shown in the main part of the Website due to technical and space constraints.

Stanley Martin Homes may revise this Offer Information by updating this posting, so you may want to review it occasionally.

GENERAL INFORMATION APPLICABLE TO ALL MARKETS

First Heritage Mortgage Incentives:

Some incentives are tied to the use of First Heritage Mortgage, LLC (“First Heritage Mortgage” or “FHM”). Stanley Martin Homes and First Heritage Mortgage, LLC are affiliated businesses. An affiliated business arrangement disclosure will be provided before a contract is signed. First Heritage Mortgage is an Equal Housing Lender. (www.nmlsconsumeraccess.org) NMLS ID# 86548 (Virginia; FHM is also licensed in other states).

SMart Selected Homes™ and SMart Pricing™:

Certain homes are designated to have SMart Pricing™. The “SMart Pricing™ Details” are intended to show the various pricing components of the home. The “Other” part of the pricing captures any options, discounts, incentives, and special offers associated with the home. See a Neighborhood Sales Manager for details.

School Disclaimer:

While Stanley Martin may identify the schools to which homes in a neighborhood may currently be connected based on the information that Stanley Martin has received, school boundaries and assignments are subject to change without notice. If the school selection is important, you should research this issue rather than rely on Stanley Martin’s information.

Renderings and Floor Plans:

The renderings, photos, and other images included on this Website are for general illustration purposes only and are not binding in any way. The home available for sale may differ from these illustrations. For example, standard features vary by neighborhood. The illustrations may include optional features that are not included in every home. Window sizes, window locations, and room sizes vary from one home to another based on the “elevation” (exterior façade) selected for the home. Product plans are frequently being revised and updated, with the result that the illustrations may not reflect the latest version of the home.

Floor plan images on this Website are for general illustration purposes only and are not binding in any way. Any references to dimensions of rooms, hallways, doors, and windows, as well as the square footage of a home or any portion of a home, are approximations and may change from house to house and based on revisions to plans.

Each homebuyer should review the plans and specifications with a Neighborhood Sales Manager to clarify the design and features of a particular home.

Site Plans:

The site plans displayed on this Website are for general illustration purposes only and are not binding in any way. Neighborhood features, home site layouts, and home site sizes are approximate and subject to change without notice.

SMart Living™

The availability of SMart Living™ features varies based on region, neighborhood, and specific home designs.

While the SMart Living™ features and products may include statements regarding performance results and health benefits, such statements generally have not been independently verified. Stanley Martin makes no representations or guarantees regarding the benefits of any SMart Living™ features and products.

Energy Savings

Any statements regarding energy usage or energy savings are estimates developed by third parties. Stanley Martin makes no representations or guarantees regarding the accuracy of these statements. Energy savings will vary due to many variables, including differences in utility rates and fees, the actual construction of the home, the floor plan, appliance usage, thermostat settings, weather conditions, number of individuals occupying the home, how the home is used, and orientation of the home. Gas utilities and appliances may not be available in some communities, and estimated energy costs may reflect electric utilities in those communities. Stanley Martin makes no guarantee of savings or efficiency that will be achieved by a homeowner in a particular home.

ENERGY STAR®

In some markets, Stanley Martin offers ENERGY STAR® Certified homes. See a Neighborhood Sales Manager for availability.

HERS®

The HERS® Index Scores provided on this Website are projected scores determined by pre-construction modeling of house-specific architectural plans performed by a third-party service provider. This is done using the REM/Rate™ software, which rates a home's energy efficiency. The confirmed HERS® Index Score is determined after a home is completed, with each Stanley Martin home scored individually. A specific home, as constructed, may have a HERS® Index Score lower than the projected score. The confirmed HERS® Index Score is noted on the HERS® Certificate that will be delivered with the home.

Supplier/Third Party Videos:

Videos showing certain products or devices are produced by the supplier of that product or service or by third parties. The videos may show products or devices that are not included in the SMart Living™ program.

SPECIAL OFFERS AND INFORMATION:

General Offers and Promotions

Falling for Your New Home Closing Cost Assistance Incentive: The closing cost assistance incentives (1) are only available on non-contingent contracts fully executed on or before October 27, 2025, (2) are only available (and vary) as to specific neighborhoods, homesites, and house types, and (3) may not exceed the total amount of closing costs.

A portion of the closing cost assistance incentive offered is conditioned upon the homebuyer using First Heritage Mortgage, LLC (“FHM”). Stanley Martin Homes has an affiliated business arrangement with FHM and may benefit financially from the use of its services. FHM is an Equal Housing Opportunity Lender | www.nmlsconsumeraccess.org | Company NMLS ID# 86548.

In Virginia and Maryland, a portion of the closing cost assistance incentive offered is conditioned upon the homebuyer using First Excel Title, LLC (“FET”) as the closing agent. In Florida, a portion of the closing cost assistance incentive is conditioned upon the homebuyer using Apollo Title Company, LLC (“Apollo”) as the closing agent. In West Virginia, North Carolina, South Carolina, and Georgia, a portion of the closing cost assistance incentive is conditioned upon the homebuyer using the Recommended Closing Agent specified in the New Home Sales Contract. The Recommended Closing Agent will engage FET to prepare the title commitment for the homesite. Stanley Martin Homes has affiliated business arrangements with FET and with Apollo and may benefit financially from the use of their services.

Division Specific Offers and Promotions

Maryland

MHBR No. 3588

Northern Virginia

No special information.

West Virginia

Sales by The Bryan Group, LLC, agents for Seller, Richard W Bryan, Broker, WV0028537, 703.967.2073.

Richmond, Virginia

No special information.

Charlottesville, Virginia

No special information.

Hampton Roads, Virginia

No special information.

Raleigh, North Carolina

No special information.

Coastal Carolinas (North Carolina and South Carolina)

Washer and Dryer Incentive: Offer only available on non-contingent contracts for select homes at Pinewood fully executed on or before 10/27/25. The style, make, and model of the washer, dryer, refrigerator, and blinds will be selected by Stanley Martin Homes, and the value and availability of the package may vary per homesite. Offer not available on all homes.

Charlotte, North Carolina (and South Carolina)

Heritage Rate Offer: Special financing rate offered when eligible home is financed with First Heritage Mortgage. Buyers must finance with FHM with a Adjustable Rate Mortgage (ARM) loan to qualify. Financing based on a 30-year ARM loan of $316,000 with a 20% down payment, and 4.750% interest rate (7.199% APR) on a home with a $454,000 sales price. The initial monthly payment is $2,538.20 for the first 7 years. After the initial fixed period, the interest rate and monthly payments may increase or decrease annually based on changes to the index, plus a margin. Estimated monthly payment includes taxes, insurance, and applicable fees. Taxes, insurance, and mortgage insurance are subject to change during the life of the loan. Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 07/21/2025, is available for a limited time, and subject to change without notice. Prepared 07/21/2025.

Tillery at Wilson Farms Rate Offer: Special financing rate offered by Stanley Martin Homes (SMH) when the eligible home is financed with First Heritage Mortgage (FHM). For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by October 28, 2025, using FHM as the lender. This offer is available for non-contingent new sales only. Financing example: 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $425,000, a loan amount of $417,302, a 3.5% down payment, and a stated interest of 4.99%: The interest rate would be 2.99% for year one, resulting in principal and interest payments of $1,757/month; 3.99% for year two, resulting in payments of $1,989/month; and 4.99% for year three and subsequent years, resulting in payments of $2,237/month. The APR in this scenario is 5.776%.

The payment amounts shown above do not include real estate taxes, mortgage insurance, and hazard insurance, which will vary based on location, credit score, and choice of insurer. HOA and condo fees are not included, which will result in a higher payment. Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 08/14/2025, is available for a limited time, and subject to change without notice. Prepared 08/14/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) First Heritage Mortgage is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. First Heritage Mortgage is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588.

Greenville/Spartanburg, South Carolina

Greenville/Spartanburg Rate Incentive: Special financing rate offered by Stanley Martin Homes (SMH) when the eligible home is financed with First Heritage Mortgage. Buyers must purchase a home with Stanley Martin and finance with First Heritage Mortgage with an FHA mortgage loan to qualify. Financing example: 30-year FHA fixed-rate loan of $246,443 with a $8,785 down payment, and 4.75% interest rate (5.565% APR) on a home with a $250,990 sales price; with an initial estimated monthly payment of $1,738.79. Estimated monthly payment includes taxes, fees, insurance, and mortgage insurance and HOA fees. Taxes, insurance, and mortgage insurance subject to change during the life of the loan.

Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 10/02/2025, is available for a limited time, and subject to change without notice. Prepared 10/02/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) First Heritage Mortgage is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. First Heritage Mortgage is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods.

** The closing cost contribution incentives (i) are only available on non-contingent contracts fully executed on or before 10/31/2025,(ii) are only available (and may vary) as to specific neighborhoods, homesites, and house types, and (iii) may not exceed the total amount of closing costs. A portion of the closing cost contribution incentive is conditioned upon the homebuyer using the Recommended Closing Agent specified in the New Home Sales Contract. The Recommended Closing Agent will engage First Excel Title South, LLC (FETS) to prepare the title commitment for the homesite. Stanley Martin Homes has an affiliated business arrangement with FETS and may benefit financially from the use of its services. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

Columbia, South Carolina

Columbia Rate Incentive: Special financing rate offered by Stanley Martin Homes (“Stanley Martin”) when the eligible home is financed with First Heritage Mortgage (“FHM”). Buyers must purchase a home with Stanley Martin and finance with FHM with an FHA or VA mortgage loan to qualify. Financing example: 30-year FHA fixed-rate loan of $481,026 with a 3.5% down payment, and 4.99% interest rate (5.740% APR) on a home with a $489,900 sales price; with an initial estimated monthly payment of $3,200.22. Estimated monthly payment includes taxes, fees, insurance, and mortgage insurance, but does not include HOA fees, which may result in a higher payment. Taxes, insurance, and mortgage insurance subject to change during the life of the loan. Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate

effective 09/13/2025, is available for a limited time, on select homes in select neighborhoods, and subject to change without notice. Prepared 09/19/2025. Stanley Martin has an affiliated business arrangement with FHM and may benefit financially from the use of its services. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) FHM is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. FHM is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

Charleston, South Carolina

Westpark at Cane Bay Interest Rate Offer: Special financing rate offered by Stanley Martin on select homes financed with First Heritage Mortgage (“FHM”) that close by 11/03/2025. Buyers must purchase a home with Stanley Martin and finance with FHM with an FHA mortgage loan to qualify. Financing example: 30-year FHA fixed-rate loan of $319,103 with a $11,375 down payment, and 4.99% interest rate (5.773% APR) on a home with a $324,990 sales price; with an initial estimated monthly payment of $2,191.59. Estimated monthly payment includes taxes, fees, insurance, mortgage insurance, and HOA fees. Taxes, insurance, and mortgage insurance subject to change during the life of the loan.

Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 08/14/2025, is available for a limited time, and subject to change without notice. Prepared 09/04/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) FHM is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. FHM is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

Nexton Interest Rate Offer: Special financing rate offered by Stanley Martin on select homes financed with First Heritage Mortgage (“FHM”) that close by 11/03/2025. Buyers must purchase a home with Stanley Martin and finance with FHM with an FHA mortgage loan to qualify. Financing example: 30-year FHA fixed-rate loan of $373,107 with a $13,300 down payment, and 4.99% interest rate (5.779% APR) on a home with a $379,990 sales price; with an initial estimated monthly payment of $2,519.93. Estimated monthly payment includes taxes, fees, insurance, and mortgage insurance, but does not include HOA fees, which may result in a higher payment. Taxes, insurance, and mortgage insurance subject to change during the life of the loan.

Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 09/03/2025, is available for a limited time, and subject to change without notice. Prepared 09/04/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) FHM is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. FHM is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

Indigo Grove Townhome Interest Rate Offer: Special financing rate offered by Stanley Martin on select homes financed with First Heritage Mortgage (“FHM”) that close by 11/03/2025. Buyers must purchase a home with Stanley Martin and finance with FHM with an FHA mortgage loan to qualify. Financing example: 30-year FHA fixed-rate loan of $514,498 with a $18,340 down payment, and 4.99% interest rate (5.744% APR) on a home with a $523,990 sales price; with an initial estimated monthly payment of $3,455.00. Estimated monthly payment includes taxes, fees, insurance, mortgage insurance, and HOA fees. Taxes, insurance, and mortgage insurance subject to change during the life of the loan.

Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 09/03/2025, is available for a limited time, and subject to change without notice. Prepared 09/04/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) FHM is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. FHM is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

Aiken, South Carolina / Augusta, Georgia

Tavern Hill Event Giveaway - Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN.

How to Enter: The Giveaway may be entered by attending the Tavern Hill rear load model Grand Opening Event on Oct 8th during the hours of 11:30am-1pm ET at the Tavern Hill Model Home, 305 Pennyweight Lane, North Augusta, SC 29860. The entry must fulfill all Giveaway requirements, as specified, to be eligible to win a prize. Entries that are not complete or do not adhere to the rules or specifications may be disqualified at the sole discretion of the Sponsor. Only one entry per household.

Entry Deadline: Entries will be accepted in person during the event on October 8th, 2025 between the hours of 11:30am-1pm ET.

Eligibility: Participation in the Giveaway is available to those who submit an entry in accordance with these rules, and who are 18 years old as of the date of entry. The Giveaway is only open to legal residents of the United States (excluding Rhode Island), but is void where prohibited by law. Employees of the Sponsor (as defined below) or its affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and those living in the same household of each are not eligible to participate in the Giveaway. The Giveaway is subject to all applicable federal, state and local laws and regulations.

Agreement to Rules: By participating, you agree to be fully unconditionally bound by these rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of the Sponsor, as final and binding as it relates to the Giveaway. The Giveaway is subject to all applicable federal, state, and local laws.

Prizes: One winner will win an Apple IPad (Retail Value $350). The actual or appraised value may differ at the time of Giveaway. The specifics of the prize will be solely determined by the Sponsor. No cash or other prize substitution permitted except at Sponsor's discretion. The prize is non-transferable. Any and all prize-related expenses, including without limitation any and all federal, state, and local taxes are the sole responsibility of the winner. No substitution of prize or transfer or assignment of prize to others or request for the cash equivalent by winners is permitted. Acceptance of prize constitutes permission for the Sponsor to use winner's name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law. This promotion is not affiliated with Apple.

Odds: The odds of winning depend on the number of eligible entries received.

Winner selection and notification: The winners of the Giveaway will be selected in a random Giveaway under the supervision of the Sponsor. Winners will be notified via phone call or email the day of the event.

The receipt by winner of the prize offered in a Giveaway is conditioned upon compliance with any and all federal and state laws and regulations. ANY VIOLATION OF THESE RULES BY ANY WINNER (AS DETERMINED BY SPONSOR) WILL RESULT IN THAT WINNER’S DISQUALIFICATION. ALL PRIVILEGES OF BEING A WINNER WILL BE IMMEDIATELY TERMINATED.

Rights Granted by You: By entering the Giveaway, you understand that the Sponsor, anyone acting on behalf of the Sponsor, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the world, your entry, including, without limitation, the entry and winner's name, portrait, picture, voice, likeness, image or statements about the Giveaway, and limited biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation. By participating in the Giveaway and providing your contact information, you grant consent to receive marketing communications from the organizers and their affiliated partners. These communications may include promotional offers, newsletters, updates, and other relevant information. You have the option to unsubscribe from these communications at any time by following the provided opt-out instructions attached to all communications.

Terms: The Sponsor reserves the right, in its sole discretion to cancel, terminate, modify or suspend the Giveaway should (in its sole discretion) non-authorized human intervention, fraud, or other causes beyond its control corrupt or affect the administration, security, fairness, or proper conduct of the Giveaway. If that occurs, the Sponsor may select the winner from all eligible entries received prior to or after (if appropriate) the action taken by the Sponsor. The Sponsor reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Giveaway.

Limitation of Liability: By entering you agree to release and hold harmless the Sponsor and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) your participation in the sweepstakes and your acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Giveaway; and (v) electronic or human error which may occur in the administration of the Giveaway or the processing of entries.

Jurisdiction: THIS GIVEAWAY IS GOVERNED BY THE LAWS OF UNITED STATES AND SOUTH CAROLINA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Giveaway, participant agrees that all disputes and causes of action that are not resolved between the parties will be resolved individually, without resort to any form of class action, exclusively before a court located in North Carolina having jurisdiction. Further, in any such dispute, no participant will obtain awards for, and hereby waives all rights to claim, punitive, incidental, or consequential damages, including reasonable attorneys' fees, other than participant's actual out-of-pocket expenses (i.e. costs associated with entering this Giveaway), and participant further waives all rights to have damages multiplied or increased.

Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the Sponsor’s Website. Read the Privacy Policy now.

Sponsor: The “Sponsor” of the Giveaway is Stanley Martin Homes, LLC, 11710 Plaza America Drive, Suite 1100, Reston, VA 20190.

Atlanta, Georgia

Atlanta Interest Rate Offer: Financing based on a 30-year Adjustable-Rate Mortgage (ARM) loan of $382,500 with a 10% down payment, and 4.75% interest rate (7.314% APR) on a home with a $425,000 sales price. The initial monthly payment is $2,712.24 for the first 7 years. After the initial fixed period, the interest rate and monthly payments may increase or decrease annually based on changes to the index, plus a margin. Estimated monthly payment includes taxes, insurance, and applicable fees. Taxes, insurance, and mortgage insurance are subject to change during the life of the loan.

Orlando, Florida

Interest Rate Incentive: Financing based on a 30-year Adjustable-Rate Mortgage (ARM) loan of $256,491 with a $28,499 down payment, and 4.750% interest rate (7.483% APR) on a home with a $284,990 sales price. The initial monthly principal and interest (P&I) payment is $1,337.98 for the first 7 years. After the initial fixed period, the interest rate and monthly payments may increase or decrease annually based on changes to the index, plus a margin. Estimated monthly payment includes taxes, insurance, and applicable fees, as well as HOA dues. Taxes, insurance, and mortgage insurance are subject to change during the life of the loan.

Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 09/05/2025, is available for a limited time, and subject to change without notice. Prepared 09/08/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

Stanley Martin Homes has an affiliated business arrangement with First Heritage Mortgage, LLC (FHM) and may benefit financially from the use of its services. Terms and conditions apply. All approvals subject to underwriting guidelines. First Heritage Mortgage, LLC is an Equal Housing Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org)

Avalon Park Tavares 3-2-1 Buydown Offer: For a limited time, a special “3-2-1 buydown” of interest rates is available to qualified buyers of select homes that close by October 31,2025, using First Heritage Mortgage (FHM) as the lender, using an FHA mortgage loan. This offer is available for non-contingent new sales only.

Single-Family Homes: The following “3-2-1 buydown” financing example is based on a 30-year FHA loan product with a 3-2–1 buydown, on a home with a sales price of $384,990, a loan amount of $378,016, a $13,475 down payment, and a stated interest of 5.99%:  The interest rate would be 2.99% for year one, resulting in principal and interest (P&I) payments of $1,591.69/month; 3.99% for year two, resulting in P&I payments of $1,802.53/month; 4.99% for year three, resulting in P&I payments of $2,026.96/month; and 5.99% for year four and subsequent years, resulting in P&I payments of $2,263.97/month.  The APR in this scenario is 6.794%.

Townhomes: The following “3-2-1 buydown” financing example is based on a 30-year FHA loan product with a 3-2–1 buydown, on a home with a sales price of $284,990, a loan amount of $279,827, a $9,975 down payment, and a stated interest of 5.99%:  The interest rate would be 2.99% for year one, resulting in principal and interest (P&I) payments of $1,178.25/month; 3.99% for year two, resulting in P&I payments of $1,334.32/month; 4.99% for year three, resulting in P&I payments of $1,500.46/month; and 5.99% for year four and subsequent years, resulting in P&I payments of $1,675.91/month.  The APR in this scenario is 6.824%.

The payment amounts shown above do not include real estate taxes, mortgage insurance, and hazard insurance, which will vary based on location, credit score, and choice of insurer. HOA and condo fees are not included, which will result in a higher payment. Rates, principal and interest payments, and APR shown are as of 09/22/2025, based on a borrower with a credit score of 760 and above and a 35-day lock. These are not guaranteed and will vary based on credit criteria, final loan amount and current market pricing. Rate not guaranteed until locked in. Seller contributions of up to 6% as allowed based on applicable mortgage guidelines. Prepared 09/26/2025. Financing by First Heritage Mortgage, Company NMLS ID #86548 (www.nmlsconsumeraccess.org). First Heritage Mortgage is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. First Heritage Mortgage is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588

**Single-Family Homes: Financing based on a 30-year FHA fixed-rate first mortgage loan of $378,016 with a $13,475 down payment, and 7.625% interest rate (8.473% APR) on a home with a $384,990 sales price; with an initial estimated monthly principal and interest (P&I) payment of $2,675.57. Subordinate financing based on a 10-year fixed-rate loan of $13,475 with a 9.625% interest rate. Estimated monthly P&I payment does not include taxes, fees, insurance, mortgage insurance, or HOA fees, which will increase the payment amount. Taxes, insurance, and mortgage insurance are subject to change during the life of the loan.

Townhomes: Financing based on a 30-year FHA fixed-rate loan of $279,827 with a $9,975 down payment, and 7.625% interest rate (8.511% APR) on a home with a $284,990 sales price; with an initial estimated monthly principal and interest (P&I) payment of $1,980.60. Subordinate financing based on a 10-year fixed-rate loan of $9,975 with a 9.625% interest rate. Estimated monthly P&I payment does not include taxes, fees, insurance, mortgage insurance, or HOA fees, which will increase the payment amount. Taxes, insurance, and mortgage insurance are subject to change during the life of the loan.

Not all buyers eligible. This is an advertisement and not a guarantee of lending. Terms and conditions apply. All approvals subject to underwriting guidelines. Rate effective 09/22/2025, is available for a limited time, and subject to change without notice. Prepared 09/26/2025. First Heritage Mortgage, LLC is an Equal Housing Opportunity Lender. Company NMLS ID #86548 (www.nmlsconsumeraccess.org) First Heritage Mortgage is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. First Heritage Mortgage is not acting on behalf of or at the direction of HUD, FHA, or the federal government. May not be combined with any other offers. Not available in all neighborhoods. See a Stanley Martin Neighborhood Sales Manager for details. © Stanley Martin Homes, LLC | MHBR #3588