*K. Hovnanian’s® Four Seasons at Charlottesville is offered by K. Hovnanian's Four Seasons at Charlottesville II, LLC. 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, see Sales Consultant for details. For contracts entered between 9/14/23 and 10/15/23. Homes must close by 10/31/23. Seller will pay 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, 20% down payment, 30-year fixed conventional loan. Example: 5.99% (6.081% APR) 30 Year Fixed Rate Conventional mortgage, sales price of $475,000 and loan amount of $380,000. Year 1: 3.99% (6.081% APR), Year 2: 4.99% (6.081% APR), Years 3-30: 5.99% (6.081% APR).  Flood insurance may be required. 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. Sales price used for comparative purposes is an estimated sales price and not associated with a specific home or location. This offer may change, or program may be cancelled without prior notice. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. Optimal Blue, LLC shall retain the exclusive ownership, all rights reserved.  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 the buydown incentive.  Offer subject to all RESPA guidelines. Buyer is subject to credit and underwriting qualifications, and investor program guidelines.  Not available on all homes or in all communities or states. Cannot be combined with any other discounts, promotions, or incentives.  Not all borrowers will qualify.  Restrictions apply.  This is not a commitment to lend. Subject to final contract terms, see Sales Consultants for details. K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Licensed by Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661.  Equal Housing Opportunity.  
 
^Offer applies to select homes. Total value of the incentives may be up to $20,000 and cannot not be combined with other offers and may be applied to financing incentives, upgrades, options, closing costs and/or home price reductions. Seller contribution limits may apply and may affect maximum financing. Maximum closing cost assistance may vary based on the purchase price, product, and occupancy. Seller is not a lender. A portion of incentives and/or closing costs are based on the use of affiliated lender, 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 (other than a home price reduction) will be reduced by the greater of $10,000 or 3% of the purchase price. The home price reduction incentive is unrelated to and distinct from the other incentives offered and does not require the use of KHAM for financing to receive the price reduction incentive. The list price for certain homes may already reflect a base sales price reduction and/or may be subject to prior sale. Not available on all homes or in all communities or states.  Incentives, special interest rate financing options, builder options, upgrades, and/or closing costs will vary by home, homesite and community. Offer subject to change without notice.  Restrictions apply.  Subject to final contract terms, see Sales Consultant for details.  K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Licensed by Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. Equal Housing Opportunity.