The advertised 3.75% interest rate is a temporary promotional rate available through a 3-2-1 buydown and applies only to specific homes. This buydown structure is funded through a combination of builder concessions and lender-paid credits. Actual rate and terms will vary based on market conditions, borrower qualifications, and loan structure. The example fixed rate of 6.75% with an APR of 6.98% is based on an $800,000 purchase price, 20% down payment, a 760+FICO score, and conventional loan pricing as of market conditions on 6-3-2025. All rates are subject to change without notice and are not guaranteed until locked. The $4,000 lender credit is subject to lender approval on qualifying VA, FHA, and Conventional loans at The Arcadian only. Promotional rate is available only to qualified borrowers and on approved loans. Not all applicants will qualify. All loans are subject to credit approval and underwriting guidelines. This is not a commitment to lend. Additional terms, conditions, and restrictions may apply. Contact Agave Home Loans for complete program details and to verify eligibility.