^The Commons at Richmond Hill is offered by K. Hovnanian at The Commons at Richmond Hill, LLC. Option 1: Promotional financing offer applies to select QMI homes with new contracts written on or after November 28, 2022, and close by February 28, 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 4.75% (5.829% APR) for a 30-year fixed, owner occupied, FHA mortgage. Interest rate and terms available as of 11/28/22 factoring in prepaid interest, closing costs, and a purchase price of $379,900 with 3.5% down payment. Mortgage Insurance Premium (MIP) is required at an upfront rate of 1.75% and is financed, in addition to a monthly MIP at the annual rate of 0.85% of the amount borrowed. FHA Monthly mortgage payment includes principal, interest, Mortgage Insurance Premium (MIP), property taxes, homeowner's insurance and HOA fees. Flood insurance may be required depending on location of the home. K. Hovnanian is not acting on behalf of or at the direction of HUD/FHA or the Federal government. 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. 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 the Georgia Department of Banking and Finance #22272. 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.