**Special 4.99% rate is based on $425k loan amount, Primary Single Family Residence Purchase, 760 credit score, 90% LTV, 35% DTI, has Escrows, and Close by 1/31/2025. Incentive only available on new contracts only. If Credit Score or LTV is different, then additional LLPAs will apply which can affect the interest rate or discount points. Special rate of 5.49% for Investment property is based on $425k loan amount, 760 Fico, 75% LTV, 35% DTI, has escrows, and close by 12/31/2024. If Credit Score, loan amount, DTI, or LTV is different, then additional LLPAs will apply which can affect the interest rate or discount points. Incentive subject to change or sell out without notice. Loan production restrictions may apply. Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income, credit approval and acceptable property appraisal. Not a commitment to lend. Rates as of 11/06/24 and subject to change. Incentive conditioned upon buyer using Cornerstone Home Lending, Inc. NMLS# 1708205 (Lisa Cortez Loan Officer NMLS#194506) or Atlantic Bay Mortgage Group NMLS# 72043 (Flynn Harris Loan Officer NMLS# 86381) as its lender. Buyers of Empire Communities are not required to use these as their lender, are free to use any lender of their choosing for the purpose of securing mortgage financing, are not limited to these lenders and are free to decline any incentives tied to the use of these lenders. Buyers are NOT required to use a preferred lender as their lender, are free to use any lender of their choosing for the purpose of securing mortgage financing and are free to decline any incentives tied to the use of a preferred lender. Equal Housing Opportunity.