*Advertised interest rate of 3.49% has a 6.279% Annual Percentage Rate (APR) and is valid only on firm, non-contingent purchase agreements for eligible, owner-occupied quick move-in homes accepted by Drees Homes between November 1-30 2025, that close by Decembger 31, 2025, with First Equity Mortgage, Incorporated. With the advertised rate, borrower payments for the first year will be based on an interest rate of 2% below the current market rate. The second year’s payments will be based on an interest rate 1% below the current market rate. In years 3-30, payments will be based on the original locked-in rate. For example, in the first year, borrower payments will be based on a 3.49% interest rate (6.279% APR), second year 4.49% interest rate (6.279% APR), then 5.49% interest rate (6.279% APR) for the remaining 28 years. The APR does not consider any other loan specific finance charges buyer may be required to pay. Example shows a 30-year FHA loan for an owner-occupied home with a sales price of $500,000 loan amount of $482,500, 680 credit score and 3.5% down payment. Subject to full credit approval. Promotion applies to the first four single-family homes or townhomes sold in this community between September 1 - November 30, 2025. See a Drees Market Manager for more details. First Equity Mortgage Incorporated is a wholly owned subsidiary of The Drees Company located at 211 Grandview Drive, Suite 102, Ft. Mitchell, KY 41017.