*Special financing rate offer of 5.49% is paid for by JSJ Builders on select homes with loans closed by August 31, 2026. Property financed must be primary occupancy and buyers must use Liberty Ridge Lending to finance the loan. Seller’s credit for closing costs will be applied at closing; credit cannot be more than borrower’s total closing costs. A 30-year fixed rate FHA loan with 20% down payment on a $350,000 purchase will have a 6.250% Annual Percentage Rate (APR). The estimated monthly Principal & Interest (P&I) payment for a $343,660 loan amount is $1,949. Estimated monthly payment does not include taxes, homeowners insurance, Mortgage Insurance Premium (MIP), or any applicable HOA dues. Actual payment amount will be higher. Promotion is available with Conventional, FHA and VA loan types. Interest rate listed effective July 14, 2026, is for illustrative purposes only, is subject to change, and assumes a minimum 680 credit score for the borrower. When available with promotion, lower qualifying credit scores may result in additional fees to the borrower. Additional requirements, restrictions, and underwriting conditions may apply. Speak with your loan officer for details. **Cost of the $25,000 Builder Incentive is covered by JSJ Builders for eligible contracts closed by August 31, 2026. Incentive can be used for property upgrades, and any remaining balance can be applied to offset closing costs. Incentive may not be used to lower the purchase price. Not to exceed seller concession limits. Total interested party contributions are subject to limitations. Offer subject to change and cannot be combined with other offers, discounts, or incentives. You are NOT required to use Liberty Ridge Lending as a condition to purchase a home, but you are required to use Liberty Ridge to qualify for certain JSJ Builders incentives or promotions. Not a commitment to lend. Borrower must meet qualification criteria. Speak with Loan Officer for details. Equal Housing Opportunity Liberty Ridge Lending, LLC 225 Green Street Suite 218, Fayetteville, North Carolina 28301. 910.258.3984. Corporate NMLS 2649030 Information as of July 14, 2026