^FS at Virginia Crossing is offered by K. Hovnanian’s Four Seasons at Virginia Crossing, 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. Option 1: Promotional financing offer applies to select QMI homes with new contracts written on or after January 24, 2023, and close by March 31, 2023. 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 4.99% (5.070% APR) for a 30-year fixed, owner occupied, conventional mortgage.  Terms available as of 1/24/23 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. 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 Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. See a Sales Consultant for full details. Equal Housing Opportunity. 
OR 

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 Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. 
OR 

*The list price for qualifying quick move-in homes may reflect a portion or all of the base sales price reduction.      

^^Offer is subject to program requirements, credit and underwriting approval, and use of K. Hovnanian American Mortgage, L.L.C.(KHAM) for the financing of your K. Hovnanian Home purchase. Limited to one-time refinance per household within the first three years from KHAM closing date.  Offer excludes government recording costs or transfer taxes, funding fee, upfront mortgage insurance premium fees, interest per diem or escrow funds set up. Equal Housing Opportunity. 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.