2/1 Buydown Program:

• Southern Homes will pay to lower your interest rate by 2% for the first year of the loan. Your rate will adjust 1% each year until it returns to the original fixed rate after the buydown period.
• Save monthly with reduced initial payments for two years.
• When rates drop, we've got you covered with a refinance period of 2 years with NO LENDER FEES!

© 2026 American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage, OVM with AnnieMac Home Mortgage, Unify Home Lending, Home Solution Lenders), HSL Branch, Bartow. Lender NMLS ID# 338923.

Offer is available while supply lasts, as funds are limited, and may be stopped at any time without notice. Offer only available on select homes for loans locked and financed through Home Solution Lenders. Eligible homes must close on or before 08/05/2026. The interest rate shown applies to a FHA loan program. The buyer may choose from several loan options, if eligible – Conventional, FHA, USDA or VA. Rates are based on a single-family, owner-occupied residence with a FHA 30-year fixed loan, 3.5% down payment, and a 680 FICO score. Must apply for and finance a loan with Home Solution Lenders, Southern Homes of Polk County, Inc. is also offering the choice of: Builder advantage scenario: (1) a permanent buydown to 4.750% (6.156% APR) with Seller to contribute 6% of sales price towards closing costs and pre-paid items, plus customary seller closing cost, or (2) a 2-1 Temporary Buydown with a permanent buydown to 4.750% (6.156 APR) with Seller to contribute 6% of sales price towards closing costs and pre-paid items, plus customary seller closing cost. Amounts subject to third-party contribution limits. Savings will be reflected on the closing disclosure. Rates are as of 06/05/2026 and subject to change. Rate, fees, price, and availability may change or be canceled without notice or obligation. Buyer may finance through other lenders but will not be eligible for this promotion. This is not a commitment to lend. Cannot be combined with any other offer. Additional restrictions apply. Southern Homes of Polk County, Inc.  and Home Solution Lenders reserve the right to change or cancel this promotion at any time. All rights reserved. Home Solution Lenders and Southern Homes of Polk County, Inc. are not affiliated. All loans subject to credit approval. Rates and fees subject to change. Offer expires 08/02/2026