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

Interest Rate Offer: For a limited time, a fixed interest rate of 4.875% is available to qualified buyers of select homes that close by January 31, 2025, using First Heritage Mortgage (FHM) as the lender. This offer is available with the use of 30-year FHA and VA loan products and for non-contingent new sales only. APR%, down payment amount and loan amounts are determined based on the following loan programs and their parameters.

FHA w/ 3.5% down – APR 5.622%

VA w/0% down – (with 3.3% VA funding fee) APR 5.200%

VA w/0% down – (no funding fee) APR 4.913%

Real estate taxes, mortgage insurance, and hazard insurance will vary based on location, credit score, and choice of insurer. Rates may vary based upon dates of loan application, credit criteria, final loan amount and current market pricing. Seller contributions of up to 6% as allowed based on applicable mortgage guidelines. Financing by First Heritage Mortgage, 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.

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

Carver Square Rate Incentive: Special financing rate offered by Stanley Martin Homes 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 a Conventional mortgage loan to qualify. Financing example: 30-year Conventional fixed-rate loan of $336,000 with a 20% down payment, and 5.375% interest rate (5.452% APR) on a home with a $420,000 sales price; with an initial estimated monthly payment of $2,448.50. Estimated monthly payment includes taxes, fees, insurance, and estimated HOA fees. Taxes, insurance, and fees 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 11/07/2024, is available for a limited time, and subject to change without notice. Prepared 11/07/2024. 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.

Charlottesville, Virginia

No special information.

Hampton Roads, Virginia

Closing Cost Incentive: The closing cost contribution incentives (i) are only available on non-contingent contracts fully executed on or before November 30, 2024, (ii) are only available (and may vary) as to specific neighborhoods, homesites, and house types, (iii) may not exceed the total amount of closing costs, and (iv) conditioned upon purchaser using First Heritage Mortgage, LLC and First Excel Title, LLC. Stanley Martin Homes has an affiliated business arrangement with these companies and may benefit financially from use of their 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)

Raleigh, North Carolina

No special information.

Coastal Carolinas (North Carolina and South Carolina)

No special information.

Charlotte, North Carolina (and South Carolina)

No special information.

Greenville/Spartanburg, South Carolina

No special information.

Columbia, South Carolina

No special information.

Charleston, South Carolina

No special information.

Aiken, South Carolina / Augusta, Georgia

No special information.

Atlanta, Georgia

Westside Bend at Proctor Creek Townhomes Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $466,400, a loan amount of $457,952, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $1,900/month; 3.875% for year two, resulting in payments of $2,153/month; and 4.875% for year three and subsequent years, resulting in payments of $2,424/month. The APR in this scenario is 5.633%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

Westside Bend at Proctor Creek Single-Family Homes Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $464,990, a loan amount of $456,567, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $1,894/month; 3.875% for year two, resulting in payments of $2,147/month; and 4.875% for year three and subsequent years, resulting in payments of $2,416/month. The APR in this scenario is 5.633%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

Westside Bend at Proctor Creek Move In Ready Event: No purchase is necessary to enter or to win the door prizes (the "Drawing"). You must be at least 18 years old to enter. Only one entry per household is allowed. Entries may be submitted by sending an index card with contact information to the address shown above. The winner will be selected by random drawing of all entries received by 3pm ET on 11/09/2024. Stanley Martin Homes employees and their family members are not eligible. The organizers reserve the right to modify, suspend, or terminate the Drawing at any time without prior notice, for any reason, including but not limited to fraud, technical failures, or any other factors beyond their reasonable control. The Drawing and these terms and conditions shall be governed by and construed in accordance with the laws of the jurisdiction where the Drawing is conducted. By participating in the Drawing 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.

Enclave at Edgewater Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $505,900, a loan amount of $496,736, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $2,061/month; 3.875% for year two, resulting in payments of $2,336/month; and 4.875% for year three and subsequent years, resulting in payments of $2,629/month. The APR in this scenario is 5.628%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

Waverly at Buice Lake Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $384,990, a loan amount of $378,016, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $1,568/month; 3.875% for year two, resulting in payments of $1,778/month; and 4.875% for year three and subsequent years, resulting in payments of $2,000/month. The APR in this scenario is 5.645%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

Kingsley Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $464,900, a loan amount of $456,478, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $1,894/month; 3.875% for year two, resulting in payments of $2,147/month; and 4.875% for year three and subsequent years, resulting in payments of $2,416/month. The APR in this scenario is 5.633%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

Skylar Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $454,900, a loan amount of $446,660, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $1,853/month; 3.875% for year two, resulting in payments of $2,100/month; and 4.875% for year three and subsequent years, resulting in payments of $2,364/month. The APR in this scenario is 5.634%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

River Oaks Interest Rate Incentive: For a limited time, a special “2-1 buydown” of interest rates is available to qualified buyers of select homes that close by December 31, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available for non-contingent new sales only.

The following “2-1 buydown” financing example is based on a 30-year FHA loan product with a 2-1 buydown, on a home with a sales price of $464,990, a loan amount of $456,567, a 3.5% down payment, and a stated interest of 4.875%: The interest rate would be 2.875% for year one, resulting in principal and interest payments of $1,894/month; 3.875% for year two, resulting in payments of $2,147/month; and 4.875% for year three and subsequent years, resulting in payments of $2,416/month. The APR in this scenario is 5.633%.

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 10/18/2024, 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. Financing by First Heritage Mortgage, 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.

Orlando, Florida

Interest Rate Incentive: For a limited time, a year 1 interest rate of 2.99% is available to qualified buyers of select homes that close by December 20, 2024, using First Heritage Mortgage (FHM) as the lender (2.99% in year 1, 3.99% in year 2, 4.99 % through the life of the loan. 3.5% Down Payment Minimum for FHA). This offer is available with the use of FHA and VA loan products and for non-contingent new sales only. APR%, down payment amount and loan amounts are determined based on the following loan programs and their parameters.

FHA w/ 3.5% down – APR 5.79%

VA w/0% down – (with 3.3% VA funding fee) APR 5.381%

VA w/0% down – (no funding fee) APR 5.091%

For a limited time, a fixed interest rate of 5.25% is available to qualified buyers of select homes that close by December 20, 2024, using First Heritage Mortgage (FHM) as the lender. This offer is available with conventional financing loan products and for non-contingent new sales only. APR%, down payment amount and loan amounts are determined based on the following loan programs and their parameters. 2/1 Temporary Buydown to starting rate of 3.25% available.

CONV w/ 10% down – APR 5.341%

Closing Cost Incentive: The closing cost contribution incentive of $12,000 (i) is only available on non-contingent contracts fully executed on or before December 20, 2024,(ii) is 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 Apollo Title Company, LLC (Apollo) as the closing agent. Stanley Martin Homes has an affiliated business arrangement with Apollo and may benefit financially from the use of its services.

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)