*For new contracts written between 12/31/25 and 2/28/26 and closed by 3/31/26. An example interest rate of 4.99% (5.513% APR). Terms available factoring in prepaid interest, closing costs, and a purchase price of $289,990. 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. Flood insurance may be required. Sales price used for comparative purposes is an estimated sales price and not associated with a specific home or location. 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 is and shall remain the exclusive owner, all rights reserved. Zero down offer available only for closed purchase agreements with buyers who qualify for USDA financing through K. Hovnanian American Mortgage, L.L.C. (KHAM). KHAM reserves the right to change, withdraw or discontinue any offer at any time without notice. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions. Not all property locations are eligible under the USDA program and specific eligibility, credit, and income restrictions apply. Subject to final negotiation of contract terms and is subject to all RESPA guidelines. Availability may vary. Prices include closing costs, but may include other fees to be paid by buyer. Prices are subject to change without notice. The USDA zero down program is a fixed rate for 30 years, owner occupied and requires an upfront Guarantee Fee Financed in addition to a monthly USDA Annual Fee Premium paid monthly. This is not an offer in states where prior registration is required. Void where prohibited by law. Seller is not a lender. Offer not available on all homes, communities, or states. Offer subject to change without notice. K. Hovnanian American Mortgage, L.L.C. NMLS #3259|3601 Quantum Boulevard, Boynton Beach, FL 33426 (www.nmlsconsumeraccess.org) | KHOVMORTGAGE.COM. Licensed by Florida Office of Financial Regulation. See a sales consultant for details. Equal Housing Opportunity.