*FHA 3.99% (4.753% APR based on a 3.5% down payment).*For a limited time, ONX Homes is offerring below-market interest rates valid on new home contracts for eligible properties for eligible properties entered into contract by 5/100/2025 and closing by 5/23/2025 (the “Promotion”). ONX Homes has locked in,through NFM Lending, fixed interest rates using a pool of funds. Interest rates are only available through NFM Lending. Offer valid on Alba Move-In Ready Homes. 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 and interest only and do not include taxes, insurance, or 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 yoursituation, 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 toward their closing costs up to up to 3% of the home’s base price by ONX Homes. In some instances, the credit may be less due to loan program restrictions. The lender credit up to up to 3% of the home’s base price 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 cash equivalents. Void whereprohibited by law. This credit expires at 5:00 P.M. EST on 5/23/2025. Offer valid on Alba Move-In Ready Homes.Applicants are subject to qualifications for specifc loan terms, occupancy, down payment, credit and underwriting requirements and/ or investor program guidelines- not all applicants will be eligible for the promotion. For eligibility, an applicant must(1) pre-apply with NFM Lending by visiting https://bp.nfmlending.com/apply/sandell.onx prior to submitting an oer to qualify for the promotion; (2) utilize the services of ONX Homes’ closing agent and nance with NFM Lending; and (3) satisfy allother eligibility criteria of ONX Homes and/or NFM Lending. Applicants are not required to finance through NFM Lending; however, the promotion is only available through NFM Lending.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 forthe 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 nancial needs. Subject to allunderwriting requirements. Eligibility is subject to completion of a loan application with NFM Lending and verication of homeownership, occupancy, title, income, employment, credit, home value, collateral, and other underwriting requirements.Not all applicants will be approved for nancing. NFM Lending cannot predict where rates will be in the future. Not all programs are available in all areas. Oers may vary and are subject to change at any time without notice. NFM Lending is an EqualHousing 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 aliated 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, AZ85288. 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 visitwww.nfmlending.com/licensing . NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not aliated with, or an agent or a division of, a government agency or a depository institution. Copyright © 2025.

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. 2025 Onx Homes. All rights reserved.