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Available only on the purchase of select move-in ready Hakes Brothers homes in select communities when you sign a contract on or after 6/01/2026 and you close on or before 7/31/2026. Cannot be combined with any other offer. Seller provided credits may be applied to price discounts, closing costs and/or temporary rate buy downs. The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which buyer qualifies. Homebuyer should ask his or her lender about the impact of such limits. Persons in photos do not reflect racial preference and housing is open to all without regard to race, color, religion, sex, handicap, familial status or national origin. Prices, plans, and terms are effective on the date of publication and subject to change without notice. Depictions of homes or other features are artist conceptions. Hardscape, landscape, and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary. No view is promised. Views may also be altered by subsequent development, construction, and landscaping growth. This ad contains general information about a new home community in Albuquerque, Rio Rancho and Los Lunas, and it is not an offer or the solicitation of an offer for the purchase of a new home. This information is not directed to residents of any other state that requires registration or permit issuance prior to the publication of such information. See Community New Home Advisor for details. 

The advertised loan program is an FHA 5/1 Adjustable-Rate Mortgage with an interest rate of 3.990% (5.490% APR). The interest rate quoted assumes a loan at 96.5% loan-to-value (LTV), an FHA loan amount of $400,610, which includes the Upfront Mortgage Insurance Premium, a minimum credit score of 680, with 1 discount point for a primary residence. During the initial 5-year (60-month) period, the estimated principal and interest payment would be $1,910.26 per month. Adding estimated property taxes of $268.60, homeowners insurance of $100.00, and FHA monthly mortgage insurance of $183.61, the estimated total monthly payment would be $2,462.48. The interest rate is subject to annual adjustments after the initial 5-year period, limited to 2% per year with a lifetime adjustment cap of 5% above the initial rate. If the interest rate reached the lifetime maximum cap of 8.990%, your principal and interest payment (not including taxes and insurance) would be approximately $3,220.52. Actual payment amounts will vary each year after the fifth year based on changes in the 1-year CMT ARM index plus a margin. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Not all applicants will qualify. This offer is available for a limited time only. Rates and terms are effective 6/23/2026 and are subject to change without notice. All options are not available on all programs. This is an Advertisement. Branch Address: 7850 Jefferson St NE, Suite 160 Albuquerque NM 87109, Branch NMLS #1163925. Licensed Mortgage Loan Company-Regulated by New Mexico Financial Institutions Division; CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; Corporate phone (888) 488-3807. (nmlsconsumeraccess.org) For more licensing information visit: https://onetrusthomeloans.com/licensing-information/