*FHA – YR 1 2.99%-YR 2 3.99%- YR 3+ 4.99% (5.827% APR) based on $19,947 down payment*For a limited time, ONX Homes is offering a 2/1 Temporary Interest Rate Buydown rates valid on new home contracts for eligible properties closing by 10/31/2024 (the “Promotion Purchase your home today and in the first year your original interest rate (4.99%) will be temporarily lowered by 2 percentage points (2.99%) and 1 percentage point the second year (3.99%). After that time, your mortgage will revert to the original interest rate (4.99%) from the third year through the life of the loan. Interest rates are only available through NFM Lending until funds are either depleted or rates expire. Interest rates are subject to change daily and without notice.**The payments stated above are for a FHA loan assuming a FICO score of 640+ and 3.5% down. The payments stated are based on principal, interest, taxes, and insurance for year 1 of the 2/1 buydown. The payments stated above do not include homeowner’s association payments. Your actual payment will be higher. The mortgage insurance premium will vary depending on the loan characterization. Payments and rates may vary based on a borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood insurance may be needed, which could increase the monthly payment and annual percentage rate (APR).***Some restrictions apply. Borrowers will receive a lender credit excluding discount points, escrows and prepaids toward their closing costs provided by ONX Homes. In some instances, the credit may be less due to loan program restrictions. The lender credit can be redeemed once the loan closes with NFM Lending. ONX Homes contribution is not guaranteed by NFM Lending. Check with ONX Homes for details. The credit is not redeemable for cash or cashequivalents. Void where prohibited by law. This credit expires at 5:00 P.M. EST on 10/31/2024. This is a co-marketing piece with ONX Homes. NFM Lending has a financial relationship with ONX Homes and you may choose not to use NFM Lending in connection with the purchase of a ONX Homes property. You are entitled to shop around for the best lender/ real estate company for you. This is not a credit decision of commitment to lend. Make sure you understand the features associated with the loan program that you choose and that it meets your unique financial needs. Subject to all underwriting requirements. Eligibility is subject to completion of a loan application with NFM Lending and verification of homeownership, occupancy, title, income, employment, credit, home value,collateral, and other underwriting requirements. Not all applicants will be approved for financing. NFM Lending cannot predict where rates will be in the future. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. NFM Lending is an Equal Housing Lender, for full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org) NFM,Inc is not affiliated with, or an agent or division of, a government agency or a deposit institution. NFM Lending Tempe branch is located at 58 S. River Dr. Suite 330 Tempe, AZ 85288. Branch NMLS#1490627. Branch licensing information: AZ 0121417. NFM, Inc. d/b/a NFM Lending. NFM, Inc. is licensed by FL #MLD174 and MLD795. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS#2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or a division of, a government agency or a depository institution. Copyright © 2024.

At closing Onx Homes will pay the buyer's Broker a 3% real estate commission on the base purchase price of the home minus any credits given to the buyer.The buyer must purchase an eligible home quick move in ready,  please refer to the Developer's Broker Agreement for detailed terms and conditions. Oral Representations cannot be relied upon as correctly stating the representations of the developer. For correct representations, make reference to the Sales and purchase agreement. Features, amenities, floor plans, elevations, and designs vary and are subject to changes or substitution without notice. Items shown are artist’s renderings and may contain options that are not standard on all models or not included in the purchase price. Availability may vary. Please see your New Community Specialists and/or home purchase agreement for actual included features. Prices may not include certain closing costs and other fees to be paid by buyer (including a builder fee as described in the purchase agreement) and are subject to change without notice.  Real estate agents/brokers representing the buyer, if any, must accompany a prospective buyer during the buyer’s initial tour to be eligible for any offered commission. On Alba Community is part of the Keys Edge Community Development District, refer to the purchase and sales agreement for additional information.This is not an offer in states where prior registration is required. 2024 Onx Homes. All rights reserved.