^The Lakes at Rancho El Dorado is offered by K. Hovnanian at Rancho El Dorado, LLC. Option 1: Promotional financing offer applies to select QMI homes with new contracts written on or after December 5, 2022, and close by January 31, 2023. Required closing dates will vary by homesite. Available only for closed purchase agreements with financing through K. Hovnanian American Mortgage, L.L.C. (KHAM). Total value of incentives may not be combined with other offers. See a Sales Consultant for full details on select QMI homes, not available in all states, communities or homes. A sample interest rate of 5.25% (5.332% APR) for a 30-year fixed, owner occupied, conventional mortgage. Terms available as of 12/5/22 factoring in prepaid interest, closing costs, and a purchase price of $475,000 with 20% down payment. Rates may change or not be available or funds may be exhausted at the time of loan commitment, lock-in or closing. This is a limited time promotion, available until funds are exhausted. Buyer is subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements, and/or investor program guidelines. Not all borrowers will qualify for said rate. Rate is not applicable for all credit profiles. Not an offer to enter into an interest rate or discount point agreement and any such agreement may only be made in writing signed by both the borrower and the lender. Offer requires financing through seller’s affiliate K. Hovnanian American Mortgage, L.L.C. (KHAM), but use of KHAM is not required to purchase a home. For information regarding current market rates, please visit http://www.freddiemac.com/pmms This statement is no guarantee of the present or future market conditions and market values. Maximum closing cost assistance may vary based on the purchase price, product and occupancy. Restrictions apply. Maximum contribution limits will apply. If KHAM or all cash is not used, the incentives will be reduced up to the greater of $10,000 or 3% of the purchase price. Subject to final negotiation of contract terms and is subject to all RESPA guidelines.   
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Option 2: Limited promotional offer applies to select QMI homes and required closing dates will vary by homesite. Total value of incentives may not be combined with other offers. See a Sales Consultant for full details on select QMI homes, not available in all states, communities or homes. The total value of the incentive may not be combined with any other offers. The incentives may be applied towards closing costs. Seller contribution limits apply and may affect maximum financing. The incentives are based on the use of K. Hovnanian American Mortgage, L.L.C. ("KHAM") for financing or an all cash purchase. If KHAM or all cash is not used, the incentives will be reduced up to the greater of $10,000 or 3% of the purchase price. Offer requires financing through seller’s affiliate K. Hovnanian American Mortgage, L.L.C. (KHAM), but use of KHAM is not required to purchase a home.  Maximum closing cost assistance may vary based on the purchase price, product and occupancy. Restrictions apply. Maximum contribution limits will apply. Subject to final negotiation of contract terms and is subject to all RESPA guidelines. 

K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Licensed by Arizona Department of Insurance and Financial Institutions. Lic. #906585. ©2022 K. Hovnanian Great Western Homes, LLC. K. Hovnanian Arizona Operations, LLC. ROC 188563. ©2022 K. Hovnanian Arizona New GC, LLC, an Arizona limited liability company. ROC 277023. See a Sales Consultant for full details. Equal Housing Opportunity. 
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*The list price for qualifying quick move-in homes may reflect a portion or all of the base sales price reduction.