Offer available on select new homes in the Vivir community by Onyx+East, as further described in the Vivir sales materials, when buyer signs and delivers a purchase agreement between 02/01/2026 and 02/28/2026 and closes and fully funds on or before the date specified in the purchase agreement.

Onyx and East is offering up to $12,000 in paid closing costs plus a fixed 30-year FHA interest rate of 4.49% when financing through Logorz Capital Inc., NMLS #2427579, subject to the terms and conditions below. Offer may not be combined with any other promotions or incentives. Onyx and East reserves the right to modify or withdraw any offer at any time without notice.

The advertised interest rate and seller concession amount are based on the following assumptions: a purchase price of $410,000, a 5% down payment, a minimum 720 FICO credit score, owner-occupied primary residence, and an FHA loan program. Seller concessions may be applied only toward allowable closing costs, prepaid items, and other permitted expenses as determined by the lender and disclosed on the final Loan Estimate and Closing Disclosure.

A maximum seller concession of $24,000 adjusts proportionately based on the final purchase price and may be reduced for lower-priced homes or limited by FHA, investor, or regulatory guidelines. Actual seller contributions may not exceed applicable program limits.

Use of Logorz Capital Inc. is not required to purchase a home in the Vivir community; however, the stated incentives, interest rate, and terms are available only when financing through Logorz Capital Inc. Buyers are free to obtain financing from the lender of their choice, but alternative financing may not qualify for the advertised incentives.

Rates, terms, and availability are subject to change and may not be available at the time of loan commitment, rate lock, or closing due to market conditions, program changes, or exhaustion of allocated funds. This advertisement is not a commitment to lend or a guarantee of loan approval. Any interest rate or discount point agreement must be set forth in a written agreement signed by both the borrower and the lender.

All loans are subject to underwriting approval and borrower qualification, which may include, but are not limited to: minimum credit score, minimum down payment, owner-occupancy requirements, FHA maximum loan limits, mortgage insurance requirements, and applicable investor or agency guidelines, all of which are subject to change without notice.

Features, amenities, floor plans, elevations, designs, materials, and specifications for the Vivir community are subject to change or substitution without notice. Renderings and images are for illustrative purposes only and may depict optional features not included in the purchase price. Square footage is approximate and may vary. Prices do not include closing costs or other buyer-paid fees as described in the purchase agreement and are subject to change without notice.

This advertisement is for informational purposes only and does not constitute an offer to sell real estate or an offer to extend credit in any jurisdiction where prohibited by law. Void where prohibited.