Steward Estates

**For new contracts written between 7/25/25 and 8/31/25 and closed by 9/30/25. An Extra Suite Plus/Accessory Dwelling Unit (ADU) is a habitable living space attached to, or contained within, a single-family primary residence. To factor into an FHA or Conventional/Freddie Mac mortgage application, the ADU typically must contain a separate entrance/exit, kitchen, sleeping area, and bathroom. Requirements may vary by locality and lender. 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 with a minimum credit score of 760. Example: 5.5% (5.605% APR) 30 Year Fixed Rate Conventional mortgage, sales price of $356,000, and loan amount of $284,800. Year 1: 3.5% (5.605% APR) $1,688 monthly payment which includes principal, interest, estimated taxes and homeowner’s insurance as well as HOA dues, if applicable (PITI). Estimated monthly mortgage payment $863 after estimated rental income. Year 2: 4.5% (5.605% APR)  $1,853 PITI. Estimated monthly mortgage payment $1,028 after estimated rental income. Years 3-30: 5.5% (5.605% APR) $2,026 PITI. Estimated monthly mortgage payment $1,201 after estimated rental income. 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. Cannot be combined with any other discounts, promotions, or incentives. Extra Suite Plus used as an accessory dwelling unit (ADU) must be a legal ADU, primary residence to use potential ADU income. Rental income cannot exceed 30% of the total stable/effective monthly income used. The ADU must comply with all state and local laws including all zoning and land use requirements.  Appraisal report must be obtained to support the ADU's marketability. Successful completion of Landlord Education may be required. For more information:  https://sf.freddiemac.com/articles/insights/helping-you-leverage-the-adu-boom, https://guide.freddiemac.com/app/guide/section/5601.2, https://guide.freddiemac.com/app/guide/section/5306.3, Freddie Mac ADU FAQ, https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-17hsgml.pdf. This offer may change or be cancelled without prior notice. 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 may be required to receive certain incentives, if any are offered. 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 states or communities. 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. 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. 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.