Special 4.99% rate for first year and 5.99% rate beginning second year valid on new contracts only; based on $300k min loan amount and $806,500 max loan amount, conforming loans only (not valid on VA or FHA loans), Primary Single Family or Townhouse Residence owner occupied Purchase, 760 credit score, 90% LTV, 40% max DTI, has Escrows, and Close by 4/23/2025. If Credit Score or DTI or LTV is different, then additional LLPAs may apply which can affect the interest rate or discount points. Not available on investor loans. 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 1/23/25 and subject to change. Incentive conditioned upon buyer using American Security Mortgage NMLS# 40561 (J. Alex Browning Loan Officer NMLS# 70151) 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.