Carmel Ranch

*^The mortgage calculator is for informational purposes only and provides monthly payment approximations. Interest rates are hypothetical.  Your interest rate may be higher or lower based on individual circumstances. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. On select inventory homes that contract on or after 11/28/23, but no later than 12/31/23 and close on or before 1/31/24. Seller will pay the temporary buydown for the first two years of the loan, which will temporarily reduce the monthly payment thereby lowering the effective interest rate for the first two years of an owner-occupied, 3.5% down payment FHA loan. The example is with an interest rate of 5.5% (6.306% APR) 30 Year Fixed FHA mortgage, sales price of $457,000 and total loan amount of $448,717. Year 1 3.5% (6.306% APR), Year 2 4.5% (6.306% APR) Years 3 – 30 5.5% (6.306% APR). Special Interest Rate Financing 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. Mortgage Insurance Premium (MIP) is required at an upfront rate of 1.75% and is financed, in addition to monthly MIP at the required annual rate. Flood insurance may be required. This offer may change or be cancelled without prior notice. Seller is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Seller is not a lender. Buyer is not required to finance through K. Hovnanian American Mortgage, L.L.C. (“KHAM”) to purchase a home; however, financing through KHAM is required to receive incentive.  Offer and subject to all RESPA guidelines. This is not a commitment to lend. Buyer is subject to credit and underwriting qualifications, and investor program guidelines. Not available on all homes or in all communities or states. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. Optimal Blue, LLC is and shall remain the exclusive owner, all rights reserved. Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Restrictions apply. See Sales Consultant for details.  Equal Housing Opportunity.   K. Hovnanian's Four Seasons communities are intended to provide housing primarily for residents 55 years of age or older. Additional restrictions, including limitations on the ages of additional permanent and temporary residents of a home, may apply. All K. Hovnanian's Four Seasons communities shall be operated as age-restricted communities in compliance with all applicable local, state, and federal laws. Limited exceptions for residents 50 years of age or older may apply. Subject to final contract terms.  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.  K. Hovnanian Arizona Operations, LLC; ROC 188563. Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532.  Real Estate Agents Welcome! A Real Estate Agent must register their client in person on client's first visit at each community for the Agent to receive a commission or referral fee, or register their client in advance using the Rapid Registration form available by calling (530) 290-1697 or by emailing NoCal@khovhomes.pure.cloud. Registration is valid for 30 days.  K. Hovnanian California Operations, Inc. DRE license number 01183847. See a Sales Consultant for full details. Sales Consultants: Tiffany Marshall DRE#01927279, Tanya Salsedo DRE#01147480, Jennifer Castiglioni DRE#02127877, Cherryl Zook DRE#01413566, Joshua Summers DRE#01341857, and Jennifer Sutton DRE#01988656. Licensed by Delaware Office of the State Bank Commissioner to engage in business in this State. Lic. #7864 Expiration 12/31/2023. Licensed by the District of Columbia Department of Insurance, Securities and Banking. Licensed by Florida Office of Financial Regulation. Licensed by the Georgia Department of Banking and Finance #22272. Licensed by the Maryland Office of the Commissioner of Financial Regulation. Licensed by New Jersey Department of Banking and Insurance. Licensed by Ohio Division of Financial Institutions. Lic. RM.850228.000. Licensed by the Pennsylvania Department of Banking and Securities. Licensed by South Carolina Board of Financial Institutions. Mortgage Banker Registration issued by Texas Department of Savings and Mortgage Lending. Licensed by Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. Licensed by the West Virginia Division of Financial Institutions. Illinois: For licensing information, go to www.nmlsconsumeraccess.org. 

*^The mortgage calculator is for informational purposes only and provides monthly payment approximations. Interest rates are hypothetical.  Your interest rate may be higher or lower based on individual circumstances. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. On select inventory homes that contract on or after 11/28/23, but no later than 12/31/23 and close on or before 1/31/24. Seller will pay the temporary buydown for the first two years of the loan, which will temporarily reduce the monthly payment thereby lowering the effective interest rate for the first two years of an owner-occupied, 3.5% down payment FHA loan. The example is with an interest rate of 5.5% (6.306% APR) 30 Year Fixed FHA mortgage, sales price of $457,000 and total loan amount of $448,717. Year 1 3.5% (6.306% APR), Year 2 4.5% (6.306% APR) Years 3 – 30 5.5% (6.306% APR). Special Interest Rate Financing 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. Mortgage Insurance Premium (MIP) is required at an upfront rate of 1.75% and is financed, in addition to monthly MIP at the required annual rate. Flood insurance may be required. This offer may change or be cancelled without prior notice. Seller is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Seller is not a lender. Buyer is not required to finance through K. Hovnanian American Mortgage, L.L.C. (“KHAM”) to purchase a home; however, financing through KHAM is required to receive incentive.  Offer and subject to all RESPA guidelines. This is not a commitment to lend. Buyer is subject to credit and underwriting qualifications, and investor program guidelines. Not available on all homes or in all communities or states. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. Optimal Blue, LLC is and shall remain the exclusive owner, all rights reserved. Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Restrictions apply. See Sales Consultant for details.  Equal Housing Opportunity.   K. Hovnanian's Four Seasons communities are intended to provide housing primarily for residents 55 years of age or older. Additional restrictions, including limitations on the ages of additional permanent and temporary residents of a home, may apply. All K. Hovnanian's Four Seasons communities shall be operated as age-restricted communities in compliance with all applicable local, state, and federal laws. Limited exceptions for residents 50 years of age or older may apply. Subject to final contract terms.  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.  K. Hovnanian Arizona Operations, LLC; ROC 188563. Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532.  Real Estate Agents Welcome! A Real Estate Agent must register their client in person on client's first visit at each community for the Agent to receive a commission or referral fee, or register their client in advance using the Rapid Registration form available by calling (530) 290-1697 or by emailing NoCal@khovhomes.pure.cloud. Registration is valid for 30 days.  K. Hovnanian California Operations, Inc. DRE license number 01183847. See a Sales Consultant for full details. Sales Consultants: Tiffany Marshall DRE#01927279, Tanya Salsedo DRE#01147480, Jennifer Castiglioni DRE#02127877, Cherryl Zook DRE#01413566, Joshua Summers DRE#01341857, and Jennifer Sutton DRE#01988656. Licensed by Delaware Office of the State Bank Commissioner to engage in business in this State. Lic. #7864 Expiration 12/31/2023. Licensed by the District of Columbia Department of Insurance, Securities and Banking. Licensed by Florida Office of Financial Regulation. Licensed by the Georgia Department of Banking and Finance #22272. Licensed by the Maryland Office of the Commissioner of Financial Regulation. Licensed by New Jersey Department of Banking and Insurance. Licensed by Ohio Division of Financial Institutions. Lic. RM.850228.000. Licensed by the Pennsylvania Department of Banking and Securities. Licensed by South Carolina Board of Financial Institutions. Mortgage Banker Registration issued by Texas Department of Savings and Mortgage Lending. Licensed by Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. Licensed by the West Virginia Division of Financial Institutions. Illinois: For licensing information, go to www.nmlsconsumeraccess.org.