4.50% Fixed Rate FHA/VA/RD (5.343%% APR) financing is available only through builders' preferred lender (One Trust Home Loans | NMLS279382) on select homes in Albuquerque, NM and surrounding areas with a New Purchase Contract (New Home Agreement of Sale) written on or after October 1, 2025, and approved by Hakes Brother’s management. Loan must fund by April 1, 2026. Loan products are subject to credit and property approval. APR varies based on program type. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all areas or for all amounts. This is not a commitment to lend. Other restrictions and limitations apply. NMLS Consumer Access Link: . -Loan Program: This is an FHA program. Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?src=/program_oces/housing. The advertised loan program is at a 30 year fixed rate at 4.50%. The interest rate quoted assumes a loan at 96.5% loan-to-value (LTV), a FHA loan amount of $395,770 and a minimum FICO score of 720 on a primary residence. On a $410,125 loan, the APR would be 5.343%% with a monthly principal and interest payment of $2005.31 for 30 years. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9/25/2025 and are subject to change without notice. This offer is available for a limited time only. Branch Address: 7850 Jefferson St NE, Suite 160 Albuquerque NM 87109, Branch NMLS #1163925. Licensed Mortgage Loan Company-Regulated by New Mexico Financial Institutions Division; CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; Corporate phone (888) 488-3807. (nmlsconsumeraccess.org) For more licensing information visit:https://onetrusthomeloans.com/licensing-information/. Hakes Brothers is an Equal Housing Opportunity builder. Square footage/acreage shown is only an estimate and actual square footage/acreage will differ. Buyer should rely on his or her own evaluation of useable area. Depictions of homes or other features are artist conceptions. No view is promised. Views may also be altered by subsequent development, construction, and landscaping growth. Flex Cash Offer(s) cannot be combined with Special Interest Rate offer or other promotions.

3.99% Fixed Rate FHA/VA/RD (4.831% APR) financing is available only through builders' preferred lender (One Trust Home Loans | NMLS279382) on select homes in Albuquerque, NM and surrounding areas with a New Purchase Contract (New Home Agreement of Sale) written after August 22, 2025, and approved by Hakes Brother’s management. Loan must fund by November 14, 2025. Loan products are subject to credit and property approval. APR varies based on program type. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all areas or for all amounts. This is not a commitment to lend. Other restrictions and limitations apply. NMLS Consumer Access Link: . -Loan Program: This is an FHA program. Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?src=/program_oces/housing. The advertised loan program is at a 30 year fixed rate at 4.5%. The interest rate quoted assumes a loan at 96.5% loan-to-value (LTV), a FHA loan amount of $477,576 and a minimum FICO score of 720 on a primary residence. On a $410,125 loan, the APR would be 4.831% with a monthly principal and interest payment of $1955.64 for 30 years. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 7/29/2025 and are subject to change without notice. This offer is available for a limited time only. Branch Address: 7850 Jefferson St NE, Suite 160 Albuquerque NM 87109, Branch NMLS #1163925. Licensed Mortgage Loan Company-Regulated by New Mexico Financial Institutions Division; CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; Corporate phone (888) 488-3807. (nmlsconsumeraccess.org) For more licensing information visit:https://onetrusthomeloans.com/licensing-information/.

The offer to pay closing costs does not include payment of prepaid taxes, property or mortgage insurance, or mortgage installments. Pre-payments of HOA assessments are typically subject to lender limits. The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which buyer qualifies. Homebuyer should ask his or her lender about the impact of such limits. Prices, plans, and terms are effective on the date of publication and subject to change without notice. Hakes Brothers is an Equal Housing Opportunity builder. Square footage/acreage shown is only an estimate and actual square footage/acreage will differ. Buyer should rely on his or her own evaluation of useable area. Depictions of homes or other features are artist conceptions. No view is promised. Views may also be altered by subsequent development, construction, and landscaping growth.