**Secure up to a 1% lower than current market rate (“Promotion”) valid on new home contracts entered as of 10/6/25 – 11/15/25 on select eligible homes.  K. Hovnanian Homes has secured, through K. Hovnanian American Mortgage, L.L.C. (“KHAM”), a pool of funds that may be utilized to reduce interest rate by up to 1% based upon current market rates for a limited time or until pool of funds is depleted. 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. Buyer must reserve funds as of the Purchase Agreement Date and may elect to secure their interest rate 30 to 60 days prior to loan closing.  Available on 30 Year Fixed loan products that are Conventional, FHA and VA. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. 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 offer may change or be cancelled without prior notice.  

Promotion eligibility, buyer must: (1) pre-apply with KHAM by visiting K. Hovnanian American Mortgage prior to offer; (2) use seller selected Closing Agent and finance with KHAM; and (3) meet all other eligibility and closing requirements. Seller reserves the right to modify the above finance Promotion terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through KHAM and/or to use Seller selected Closing Agent; however, Buyer must use both the Closing Agent selected by Seller and finance through KHAM to receive the finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Credit scores/occupancy/property type can add additional buyer costs.  Maximum seller contributions apply.  Seller is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Seller is not a lender. 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.  Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Restrictions apply.  See Sales Consultant for details. Services not available in all states. K. Hovnanian American Mortgage, L.L.C. NMLS #3259|3601 Quantum Boulevard, Boynton Beach, FL 33426 (www.nmlsconsumeraccess.org) | KHOVMORTGAGE.COM. Licensed by Arizona Department of Insurance and Financial Institutions. Lic. #906585. Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532. Licensed by Delaware Office of the State Bank Commissioner to engage in business in this State. Lic. #7864 Expiration 12/31/2025. 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 District of Columbia Department of Insurance, Securities and Banking. Licensed by the West Virginia Division of Financial Institutions. For licensing information, go to www.nmls­consumeraccess.org. Equal Housing Opportunity.

*For new contracts written by 11/14/25. Home must close by 11/30/25. An example interest rate of 3.99% (4.77% APR) for an owner-occupied, 3.5% down payment FHA loan. Example: 3.99% (4.77% APR) 30 Year Fixed FHA mortgage, sales price of $457,000, and loan amount of $448,717. Sales price used for comparative purposes is an estimated sales price and not associated with a specific home or location. 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. Example is for illustrative purposes only; interest rates are subject to market conditions. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. Optimal Blue, LLC shall retain the exclusive ownership, all rights reserved. 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 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. Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Restrictions 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. ©2025 K. Hovnanian Arizona New GC, LLC; ROC 188563. ©2025 K. Hovnanian Arizona New GC, LLC; ROC 277023. Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532. ©2025 K. Hovnanian California Operations, Inc. DRE license #01183847. Licensed by Delaware Office of the State Bank Commissioner to engage in business in this State. Lic. #7864 Expiration 12/31/2025. 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 District of Columbia Department of Insurance, Securities and Banking. Licensed by the West Virginia Division of Financial Institutions. Artist renderings and photographs; illustrative purposes only. All dimensions are approximate. Views not guaranteed; subject to change. Features and options may vary. Unless stated hardscape, landscape and decorator items not included. Maps subject to change without notice and may not be to scale. Price reflects options that may have been added to home. Prices are subject to change. 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. See a sales consultant for full details. Equal Housing Opportunity.