Inspire Home Loans

PREQUALIFY with Inspire Home Loans ®

Scan the code and take the first step towards a simpler home financing journey!

AFFILIATED BUSINESS ARRANGEMENT STATEMENT: This is to give you notice that the Seller, which will be specifically identified in any purchase agreement, has a business relationship with Inspire Home Loans. The Seller and Inspire Home Loans are wholly owned affiliates of Century Communities. Because of this relationship, this referral may provide Seller with a financial or other benefit. You are NOT required to use Inspire Home Loans as a condition for settlement of your loan on, or purchase, sale, or refinance of, the subject property. There are frequently other settlement service providers available with similar services. You are free to shop around to determine that you are receiving the best services and the best rate for these services. Depictions of homes or other features are artist conceptions. Hardscape, landscape, and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary. No view is promised. Views may also be altered by subsequent development, construction, and landscaping growth. Offered for sale by BMC Realty Advisors, Inc. Real Estate Broker, License #01920450. General Contractor, License #971581. Inspire Home Loans® Inc. NMLS# 1564276. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. ©01/2024 Century Communities, Inc. InspireHomeLoans.com/PrequalCA

Finance With Ease

As the affiliate lender of Century Communities our team of knowledgeable and accessible loan officers are here to guide you along every step of your home buying journey – with a customer centered approach that ensures you will receive the guidance and support to buy a new home with confidence. New Home Specialist Streamlined Services Simplify the homebuying experience even further

At Inspire Home Loans, our team is familiar with all Century Communities operations. That means we have new home expertise that other lenders can’t offer such as navigating longer build times and tracking important construction milestones to ensure homes and loans remain on schedule. Accessible and Knowledgeable We know that buying a new home is a big investment and a completely different experience from purchasing a used home. That’s why our knowledgeable loan officers are here to support you and answer any questions you might have along the way.

through fellow affiliate, IHL Home Insurance Agency. They specialize in new home property insurance and have access to multiple top-rated insurance carriers. See how much you can save with a complimentary, no obligation quote from IHL Home Insurance Agency.

Complimentary Credit Resources

The Ascent Club (TAC) is a free benefit offered to select Inspire Home Loans, customers that need additional help reaching their financing potential. As part of The Ascent Club, you will receive valuable information on how to maximize your financing power and the best path to homeownership.

Persons in photos do not reflect racial preference and housing is open to all without regard to race, color, religion, sex, handicap, familial status or national origin. Prices, plans, and terms are effective on the date of publication and subject to change without notice. Inspire Home Loans® Inc. NMLS# 1564276, 4695 MacArthur Court, Suite 350, Newport Beach, CA 92660. www.inspirehomeloans.com. Licensed in AL, AZ, CO, FL, GA, IN, KY, LA, MI, NC, OH, SC, TN, TX, UT and by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Nevada Mortgage Company Licensee # 4845, 10655 Park Run Drive, Suite 140, Las Vegas, NV 89144. Telephone 702-605-1504; in Washington d/b/a Inspire Home Mortgage under WA license # CL 1564276. Additional license information available at NMLS Consumer Access: www.nmlsconsumeraccess.org. ©2025 Century Communities, Inc. CenturyCommunities.com | InspireHomeLoans.com

The Road Map to Your Dream Home STEP PRE-QUALIFICATION

Fill out our online prequal form. We’ll then review your purchasing power, including whether you’d benefit from free credit resources through our value-added program, The Ascent Club.

COMPLETING LOAN APPLICATION Once you select a home and sign a purchase contract, your Loan Officer will work with you to complete your loan application and gather financial documents.

02 STEP

CONDITIONAL LOAN APPROVAL Once we have reviewed and conditionally approved your loan, your Loan Officer will call you with the good news and walk you through the next steps.

03 STEP

GATHERING OF INFORMATION Prior to final loan approval, your Loan Officer will continue to work with you to update your financial information, lock your interest rate, and prepare you for closing.

04 STEP

FINAL LOAN APPROVAL Once we have signed off on your loan and no additional documentation are required, your loan is final approved. Congratulations!

05 STEP

SIGNING & CLOSING After signing loan documents and funding your loan, it’s time to celebrate because you’re officially the owner of a new home! 06 STEP Prices, plans, and terms are effective on the date of publication and subject to change without notice. Inspire Home Loans® Inc. NMLS# 1564276, 4695 MacArthur Court, Suite 350, Newport Beach, CA 92660. Licensed in AL, AZ, CO, FL, GA, IN, IA, KY, MI, NC, OH, SC, TN, TX, UT and by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Nevada Mortgage Company Licensee # 4845, 10655 Park Run Drive, Suite 140, Las Vegas, NV 89144. Telephone 702-605-1504; in Washington d/b/a Inspire Home Mortgage under WA license # CL-1564276. Additional license information available at NMLS Consumer Access: www.nmlsconsumeraccess.org. ©2022 Century Communities, Inc.

LET’S COMPARE FHA vs Conventional

Deciding which loan option is right for you can be a bit tricky, especially if this is your first time financing a home. FHA or Conventional … where do you start? To help simplify things, we’ve broken down the key differences between FHA and Conventional loans so you can make an informed decision—with the added support and guidance of your Loan Officer.

Conventional Loan

FHA Loan

Borrowers looking at options with lower credit score and down payment requirements.

Borrowers with an established credit history or those able to put down a larger down payment. 3% available to first time homebuyers. 5% for non-first time homebuyers.

Best For:

Minimum Down Payment:

3.5% down payment

580 minimum with a 3.5% down payment. May qualify with a lower score with at least 10% down.

Credit Score Requirements:

640 minimum credit score.

Available for primary residences, second homes, and investment properties. Private mortgage insurance is required if down payment is less than 20% but can be removed once 20% equity is reached.

Must be your primary residence.

Occupancy Type:

Mortgage insurance premium is required for the entire life of the loan.

Mortgage Insurance:

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Connect with our team today and learn more about which loan option is right for you!

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Persons in photos do not reflect racial preference and housing is open to all without regard to race, color, religion, sex, handicap, familial status or national origin. Loan program is available through Inspire Home Loans® Inc. NMLS# 1564276, 4695 MacArthur Court, Suite 350, Newport Beach, CA 92660. www.inspirehomeloans.com. Licensed in AL, AZ, CO, FL, GA, IN, KY, MI, NC, SC, TN, TX, UT and by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Nevada Mortgage Company Licensee # 4845, 10655 Park Run Drive, Suite 140, Las Vegas, NV 89144. Telephone 702-605-1504; in Washington d/b/a Inspire Home Mortgage under WA license # CL-1564276. Additional license information available at NMLS Consumer Access: www.nmlsconsumeraccess.org.

Adjustable-Rate Mortgages Your Guide To An Adjustable-Rate Mortgage (ARM) is a flexible home loan option that often starts with a lower interest rate, helping buyers get into a home sooner. There are several types of ARM products, such as 5/1 FHA or VA and 7/6 Conventional ARM loans. These loans are broken up in two phases: a fixed-rate period followed by an adjustable period where the rate can go up or down based on market trends. For many homebuyers, this type of loan offers lower initial payments and the flexibility to adjust your plans in the future. Let’s take a closer look at the key benefits of an ARM loan: Affordability Thanks to a lower introductory rate, an ARM loan can help you save on monthly payments during the early years of your mortgage. Financial Flexibility Life happens and plans change. An ARM loan gives you the flexibility to change with them —whether you need to move, refinance, or simply want more options down the road. Getting in the door With lower initial rates, an ARM loan makes homeownership more accessible, helping you get in the door without stretching your budget.

An ARM loan can be a great fit if you plan to move or refinance before the fixed-rate period ends. If you’re planning to settle into your new home for the long term, a fixed-rate loan might be the better option for stability and predictable payments year after year. Contact our team today to explore your options and learn which loan option is right for you!

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Persons in photos do not reflect racial preference and housing is open to all without regard to race, color, religion, sex, handicap, familial status or national origin. Inspire Home Loans® Inc. NMLS# 1564276, 4695 MacArthur Court, Suite 350, Newport Beach, CA 92660. www.inspirehomeloans.com. Licensed in AL, AZ, CO, FL, GA, IN, KY, LA, MI, NC, OH, SC, TN, TX, UT and by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Nevada Mortgage Company Licensee # 4845, 10655 Park Run Drive, Suite 140, Las Vegas, NV 89144. Telephone 702-605-1504; in Washington d/b/a Inspire Home Mortgage under WA license # CL-1564276. Additional license information available at NMLS Consumer Access: www.nmlsconsumeraccess.org.

UNDERSTANDING A Mortgage Buydown

A mortgage buydown reduces the interest rate resulting in lower payments, either temporarily or permanently. So how does it work? Mortgage buydowns are paid for by the lender, seller, builder or buyer by paying an upfront fee. A temporary buydown reduces your interest rate for the first few years, before returning to the full rate for the remainder of the loan term. You may also consider a permanent buydown which reduces your rate for the entire life of the loan. Let’s explore the most common types of temporary buydowns available: 1/0 Buydown: Your interest rate is reduced by 1% for the first year of your mortgage. Starting in year 2, your payment adjusts to the full rate (also called the note rate) for the remainder of the loan.

Example: FHA 30-Year Fixed Rate Loan with a 1/0 buydown.*

Interest Rate

Year

Monthly Payment

1

Saving $252 per month in year 1.

6% (7.126% APR)

$3,501

2-30

7% (7.126% APR)

$3,753

2/1 Buydown: Your interest rate is reduced by 2% in the first year and 1% in the second year. Starting in year 3, your mortgage payment adjusts to the note rate for the remainder of the loan.

Example: FHA 30-Year Fixed Rate Loan with a 2/1 buydown.**

Monthly Payment

Year

Interest Rate

Saving $492 per month in year 1. Saving $252 per month in year 2.

5% (6.982% APR)

$3,261

1

2

6% (6.982% APR) 7% (6.982% APR)

$3,501 $3,753

3-30

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Interested in learning more about mortgage buydowns and how they can help you in your homebuying journey? Contact our team today!

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*Financing example is based on a 30 year fixed FHA loan with a 3.5% down payment and a minimum credit score of 620. Mortgage has a 1-0 Buydown with an interest rate of 7% (7.126% APR). Buyer must qualify for financing at the note rate of 7%. The interest rate is reduced to 6% for Year 1. Based on a sales price of $390,000 and a loan amount of $382,936 (including financed up front mortgage insurance), monthly principal and interest payments are $3,500.94 for Year 1 and $3,752.73 for Years 2 - 30. **Financing example is based on a sales price of $ 390,000 with a 3.5% down payment and a minimum credit score of 620. Mortgage is an FHA 30 year fixed loan with a 2-1 Buydown with a Note rate of 7% (6.982% APR). Buyer must qualify for financing at the Note rate of 7%. The interest rate is temporarily reduced to 5% for Year 1 and temporarily reduced to 6% for Year 2 and is 7% for Years 3 -30. Based on a loan amount of $382,936 (including financed up front mortgage insurance premium), monthly payments are $3,260.73 for Year 1, $3,500.94 for Year 2 and $3,752.73 for Years 3 - 30. Payment includes monthly taxes, mortgage insurance and hazard insurance. HOA assessments are additional and not included in the above payment. Interest rates, payments, terms and availability of this loan program, and the sales price, are examples only and are a subject to change without notice. Interest rates may not be available at time of loan commitment or closing. Loans are subject to credit approval. Restrictions and conditions may apply. Loan program is available through Inspire Home Loans® Inc. NMLS# 1564276, 4695 MacArthur Court, Suite 350, Newport Beach, CA 92660. www.inspirehomeloans.com. Licensed in AL, AZ, CO, FL, GA, IN, KY, MI, NC, OH, SC, TN, TX, UT and by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Nevada Mortgage Company Licensee # 4845, 10655 Park Run Drive, Suite 140, Las Vegas, NV 89144. Telephone 702-605-1504; in Washington d/b/a Inspire Home Mortgage under WA license # CL-1564276. Additional license information available at NMLS Consumer Access: www.nmlsconsumeraccess.org.