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4.99% 30-Year Fixed-Rate Incentive

4.99% 30-Year Fixed-Rate

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OAK CREEK INCENTIVES

Build-to-order: Finance through a preferred lender and receive up to $3,000 towards closing costs for any home.*

Quick Move-in Homes: Lock in a 4.99% 30-year fixed-rate mortgage on a quick move-in home. Must close by 12/31/24 and finance through our preferred lender. Not applicable with the model for sale, and cannot be combined with closing cost incentive. Subject to change; other restrictions apply.**

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MODEL HOME OPEN DAILY

14250 Cabarrus Road
Mint Hill, NC 28227

Hours:
Sunday & Monday 12 PM – 5 PM
Tuesday – Saturday 10 AM – 5 PM
Closed December 13 & 25

E. oakcreek@empirecommunities.com T. 704-665-0316

Sales: EHC Brokerage LP. License #C77312. Construction: EHC Homes, LP, DBA Empire Communities (NC: 85275, SC:123509). This is not an offer of real estate for sale, or a solicitation of an offer to buy, to residents of any state or province in which registration and other legal requirements have not been fulfilled. Pricing does not include options, elevation, or lot premiums, effective date of publication and subject to change without notice. All square footages and measurements are approximate and subject to change without notice. Trademarks are property of their respective owners.

*Incentive conditioned upon buyer using Atlantic Bay, American Mortgage Security, Truist Bank, or US Bank 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. American Security Mortgage. Buyers of Empire homes are not required to use American Security Mortgage, Atlantic Bay Mortgage, Truist Bank or US Bank as their lender. Buyers may select any lending institution for the purpose of securing mortgage financing and are not limited to these lenders. (NMLS ID# 40561, 72043, 399803, 402761 respectively.)

**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 12/31/2024. Incentive 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.


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Sales Consultant

704-665-0316

Brooke & Kristy

Sales Consultant

704-665-0316

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