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2-1 & 1-1 BUYDOWN DISCLAIMERS

30-YEAR FHA 2-1 BUYDOWN DISCLAIMER @ 4.75% FOR $400,000 – 05.06.2024
For a 30-year FHA loan on a $400,000 home with a 20% down payment, $320,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.386% APR), the monthly principal and interest payments are as follows: Year 1 – P&I payment of $1,698.48 calculated at 4.75%; Year 2 – P&I payment of $1,900.11 calculated at 5.75%; Year 3 – 30 P&I payment of $2,111.84 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 2-1 BUYDOWN DISCLAIMER @ 4.75% FOR $500,000 – 05.06.2024
For a 30-year FHA loan on a $500,000 home with a 20% down payment, $400,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.365% APR), the monthly principal and interest payments are as follows: Year 1 – P&I payment of $2,123.10 calculated at 4.75%; Year 2 – P&I payment of $2,375.14 calculated at 5.75%; Year 3 – 30 P&I payment of $2,639.79 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 2-1 BUYDOWN DISCLAIMER @ 4.75% FOR $600,000 – 05.06.2024
For a 30-year FHA loan on a $600,000 home with a 20% down payment, $480,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.351% APR), the monthly principal and interest payments are as follows: Year 1 – P&I payment of $2,547.73 calculated at 4.75%; Year 2 – P&I payment of $2,850.17 calculated at 5.75%; Year 3 – 30 P&I payment of $3,167.75 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 2-1 BUYDOWN DISCLAIMER @ 4.75% FOR $700,000 – 05.06.2024
For a 30-year FHA loan on a $700,000 home with a 20% down payment, $560,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.386% APR), the monthly principal and interest payments are as follows: Year 1 – P&I payment of $2,972.35 calculated at 4.75%; Year 2 – P&I payment of $3,325.20 calculated at 5.75%; Year 3 – 30 P&I payment of $3,695.71 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 1-1 BUYDOWN DISCLAIMER @ 4.75% FOR $400,000 – 05.06.2024
For a 30-year FHA loan on a $400,000 home with a 20% down payment, $320,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.386% APR), the monthly principal and interest payments are as follows: Year 1- 2 – P&I payment of $1,900.11 calculated at 5.75%; Year 3 – 30 P&I payment of $2,111.84 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 1-1 BUYDOWN DISCLAIMER @ 4.75% FOR $500,000 – 05.06.2024
For a 30-year FHA loan on a $500,000 home with a 20% down payment, $400,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.365% APR), the monthly principal and interest payments are as follows: Year 1- 2 – P&I payment of $2,375.14 calculated at 5.75%; Year 3 – 30 P&I payment of $2,639.79 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 1-1 BUYDOWN DISCLAIMER @ 4.75% FOR $600,000 – 05.06.2024
For a 30-year FHA loan on a $600,000 home with a 20% down payment, $480,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.351% APR), the monthly principal and interest payments are as follows: Year 1- 2 – P&I payment of $2,850.17 calculated at 5.75%; Year 3 – 30 P&I payment of $3,167.75 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.

30-YEAR FHA 1-1 BUYDOWN DISCLAIMER @ 4.75% FOR $700,000 – 05.06.2024
For a 30-year FHA loan on a $700,000 home with a 20% down payment, $560,000 loan amount, 780 FICO score, and $11,089 in estimated closing costs, with a note rate of 6.75% (7.386% APR), the monthly principal and interest payments are as follows: Year 1-2 – P&I payment of $3,325.20 calculated at 5.75%; Year 3 – 30 P&I payment of $3,695.71 calculated at 6.75% for the life of the loan. Principal and interest only payments shown. Does not include property taxes, hazard insurance, mortgage insurance, or HOA dues. An escrow account is created that Kerley Family Homes deposited money in to “buydown” the difference in the subsidized monthly payment amount and the note rate. Available for qualified Kerley Family Homes homebuyers on select properties when financed by KFH Mortgage. Rates and terms are subject to change or be terminated at any time without notice. Not applicable with any other offers. Rate and terms available as of 5/6/2024. ©2024 KFH Mortgage, LLC, 3957 South Main Street, Suite A, Acworth, GA 30101. NMLS# 2452994. Equal Housing Lender.