*LIMIT ONE INCENTIVE PER HOME PURCHASE. INCENTIVES MAY NOT BE COMBINED. Contact your Goodall Homes New Home Consultant for a list of eligible homes. All trademarks are the property of their respective owners.

*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

*4.99% INTEREST RATE 

Example 5.798% APR FHA, APR VA Ask for Details. APRs are determined by State and Eligibility. 

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

CPG### 4.99% Contracts written on or after 10/02/26. Loan must close before 02/01/2027. All terms and conditions subject to credit approval,
market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

*Example of FHA 96.5% LTV (3.5% Down Payment) Loan Program with $300,000.00 sales price. $294,566.00 loan amount (including upfront mortgage premium) - 30-year fixed rate loan
with zero points based on 360 monthly payments at $1,579.49 each (principal and interest only). Down payment of $10,500.00 required. Example assumes 640 credit score and includes $1,595
origination fee, 5.798% APR, and 4.99% interest rate as of 10/02/26. Monthly payments do not include required mortgage insurance, taxes, insurance premiums, or other applicable escrows.
Actual payment amount will be higher. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state.

**Example of 100% LTV (0% Cash Down) VA Loan Program with $350,000.00 sales price. $350,000.00 loan amount - 30-year fixed rate loan with zero points based on 360
monthly payments at $1,793.46 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment
amount will be higher. 0% cash down payment of $0 required. Example assumes 780 credit score, 5.331% APR, and 4.49% interest rate as of 10/02/26. Rate, fees, other charges and
terms subject to change. Available loan programs and terms will vary by state.

*4.25% INTEREST RATE (5.880% APR FHA, APR VA Ask for Details) ARM Forward Commitment Program:

Silverton Mortgage is authorized to originate FHA and VA loans, but it is not an agent of, or affiliated with the U.S. Government

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

CPG256 5/1 ARM Forward Commitment - Contracts written on or after 9/17/2026. Loan must close before 1/15/2027. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

Example of 96.5% LTV (3.5% Cash Down) FHA 5/1 ARM Loan Program with $400,000.00 sales price. $392,755.00 loan amount - 5-yr adjustable rate loan (30-yr term) with zero points based on 360 monthly payments. 3.5% cash down payment of $14,000 required. Example includes $1,595 origination fee, 5.880% APR, and 4.250% interest rate as of 9/17/2026. Initial monthly payment will be $1,761.45 (principal and interest only). After the initial fixed rate period and subject to the interest rate adjustment caps, the maximum first adjusted rate for this example will never be more than 8.49% with a first adjustment maximum payment of $3,017.16 (principal and interest only). The maximum lifetime rate will never be more than 8.49% with an estimated maximum monthly payment (principal and interest only) of $3,017.16. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Your interest rate and payment may increase with the first or any subsequent adjustment. This example assumes the Treasury index will be used throughout the life of the loan and will not change. Fees, other charges, and terms subject to change. Available loan programs and terms will vary by state.

EXAMPLE of 100% LTV (0 Down) 5/1 ARM VA Loan Program with $400,000 sales price. 400,000 loan amount - 5-yr adjustable rate loan (30-yr term) with zero points based on 360 monthly payments. 0% cash down payment of $0 required. Example includes $1,595 origination fee, ASK APR, and 4.250% interest rate as of 9/17/2026. Initial monthly payment will be $1,793.95 (principal and interest only). After the initial fixed rate period and subject to the interest rate adjustment caps, the maximum first adjusted rate for this example will never be more than 8.49% with a first adjustment maximum payment of $3,072.82 (principal and interest only). The maximum lifetime rate will never be more than 8.49% with an estimated maximum monthly payment (principal and interest only) of $3,072.82. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Your interest rate and payment may increase with the first or any subsequent adjustment. This example assumes the Treasury index will be used throughout the life of the loan and will not change. Fees, other charges, and terms subject to change. Available loan programs and terms will vary by state.

**5.49% INTEREST RATE 

Example 6.372% APR FHA, APR VA Ask for Details. APRs are determined by State and Eligibility. 

Silverton Mortgage is authorized to originate FHA and VA loans, but it is not an agent of, or affiliated with the U.S. Government

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

CPG### FC - Contracts written on or after 10/2/26. Loan must close before 2/1/2027. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

Example of 96.5% LTV FHA Loan Program with $350,000.00 sales price. $343,660.00 loan amount - 30-year fixed-rate loan with zero points based on 360 monthly payments at $2,227.56 each
(P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Down payment of $12,250
required. Example assumes 780 credit score and includes $1,595 origination fee, 6.372% APR, and 5.49% interest rate as of 10/02/2026. Rate, fees, other charges and terms subject to change.
Available loan programs and terms will vary by state.

Example of 100% LTV (0% Cash Down) VA Loan Program with $350,000.00 sales price. $350,000.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments
at $2,268.65 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. 0%
cash down payment of $0 required. Example assumes 780 credit score, 5.50% APR, and 5.49% interest rate as of 10/02/2026. Rate, fees, other charges and terms subject to change. Available loan
programs and terms will vary by state. Contact your builder sales manager for a list of eligible homes.

***5.750% INTEREST RATE (6.048% APR):

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

CPG261 FC- Contracts written on or after 9/25/2026. Loan must close before 1/25/2027. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

Example of 75% LTV Conventional Loan Program with $400,000 sales price. $300,000 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $1,608.63 each (Example only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Down payment of $100,000 required. Example assumes 780 credit score and includes $1,495 origination fee, 6.048% APR, and 5.750% interest rate as of 9/25/26. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state.

****5.49% INTEREST RATE (APR FHA 6.250% APR VA Ask for Details):

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

Arbor114 FC (Pre-sale) FHA- Contracts written on or after 9/25/26. Loan must close before 5/24/27. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.
Example of 96.5% LTV (3.5% Cash Down) FHA Loan Program with $400,000 sales price. $392,755 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $2105.99 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. 3.5% cash down payment of $14,000 required. Example assumes 780 credit score and includes $1,495 origination fee, 6.250% APR, and 5.490% interest rate as of 9/25/26. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state.
EXAMPLE of 100% LTV (0% Cash Down) VA Loan Program with $400,000 sales price. $413,200 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $2215.62 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. 0% cash down payment of $0 required. Example assumes 780 credit score, 6.250% APR, and 5.490% interest rate as of 9/25/26. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state.

*****5.750% INTEREST RATE (6.048% APR):

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

Arbor113 FC (Pre-sale) Conv- Contracts written on or after 9/25/26. Loan must close before 5/24/27. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

Example of 75% LTV Conventional Loan Program with $400,000.00 sales price. $300,000.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $1,608.63 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Down payment of $100,000 required. Example assumes 780 credit score and includes $1,495 origination fee, 6.048% APR, and 5.750% interest rate as of 9/25/26. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Contact your Goodall Homes sales manager for a list of eligible homes. Contracts written on or after 9/25/26. Loan must close before 5/24/27. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires.

Vanderbilt Mortgage and Finance, Inc., dba Silverton Mortgage, 1201 Peachtree St. NE, Ste 2050, Atlanta, GA 30361, 404-815-0291, NMLS 1561, www.nmlsconsumeraccess.org, AZ Lic. #BK-0902616, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act license, Licensed by PA Dept. of Banking and Securities. Licensing information: www.silvertonmortgage.com/licensing. All information is believed to be accurate and subject to change without notice. 09/2026

**2.99% (4.99% + 2/1 Buy Down): 

Example 5.073% APR FHA, APR VA Ask for Details. APRs are determined by State and Eligibility. 

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

Ask for details on SELECT HOMES that OFFER 2.99% SPECIAL RATE!

CPG### 4.99% + Builder 2/1 Buy Down: *Promotion available for purchase contracts signed on or after 10/02/2026 for loans that close on or before 02/01/2027. Buydown offer may not be

**Example of FHA 96.5% LTV (3.5% Down Payment) 2-1 Buydown Loan Program with $300,000 sales price. $294,566 loan amount, $10,500 cash down payment 30-year fixed-rate loan
with 0 points. $1,579.49 monthly payments. First-year monthly payment $1,240.31 rate 2.99%, 5.073% APR. Second Year monthly payment $1,404.61 with an interest rate of 3.99% and 5.073%
APR. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Example includes $1,595
origination fee. 5.073% APR and 4.99% interest rate for years 3-30 of the loan as of 10/02/2026 and a credit score of 640. Rates, fees, other charges and terms are subject to change. Available
loan programs and terms will vary by state. Product requires a seller contribution of $3,500 to pay for the cost of the 2/1 Buydown.

**3.49% (5.49% + 2/1 Buy Down): 

Example 6.237% APR FHA, APR VA Ask for Details. APRs are determined by State and Eligibility. 

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

Ask for details on SELECT HOMES that OFFER 2.99% SPECIAL RATE!

CPG### 5.49% + Builder 2/1 Buy Down: Promotion available for purchase contracts signed on or after 10/02/2026 for loans that close on or before 02/01/2027. Buydown offer may not be available. 

Example of FHA 96.5% LTV (3.5% Down Payment) 2-1 Buydown Loan Program with $400,000 sales price. $392,755 loan amount, $14,000 cash down payment 30-year fixed-rate loan with 0 points. $2,227.56 monthly payments. First-year monthly payment $1,761.45 rate 3.49%, 6.237% APR. Second Year monthly payment $1,987.70 with an interest rate of 4.49% and 6.237%
APR. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Example includes $1,595
origination fee. 6.237% APR and 5.49% interest rate for years 3-30 of the loan as of 10/02/2026 and a credit score of 720. Rates, fees, other charges and terms are subject to change. Available
loan programs and terms will vary by state. Product requires a seller contribution of $8,471.64 to pay for the cost of the 2/1 Buydown. 

***3.75% (5.750% INTEREST RATE 6.048% APR) + 2/1 Buy Down:

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your Goodall Homes New Home Consultant for a list of eligible homes.

CPG261 5.750% + Builder 2/1 Buy Down: Example of Conventional 90% LTV (10% Down Payment) Temporary 2/1 Buydown Loan Program with $400,000.00 sales price. $360,000.00 loan amount (including upfront mortgage insurance premium), $36,000 cash down payment, 30-year fixed-rate loan with 0 points. $1,987.93 regular monthly payments (principal and interest only). First-year monthly payment of $1,566.74 (principal and interest only) with an effective interest rate of 5.750%, 6.048% APR. Second-year monthly payment of $1,770.98 (principal and interest only) with an effective interest rate of 5.750% and 6.048% APR. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Example includes $1,595 origination fee. 6.048% APR and 5.750% interest rate for years 3-30 of the loan as of 09/25/26. Example based on a minimum credit score of 780. Rates, fees, other charges and terms are subject to change. Available loan programs and terms will vary by state. Product requires a seller contribution of $7,657.68 to pay for the cost of the Temporary 2/1 Buydown. Seller contribution may be limited by certain loan program restrictions. 

Temporary 2/1 Buydown available for purchase contracts signed on or after 9/16/2026 for loans that close on or before 1/12/27 with Silverton Mortgage. Limited to select communities and homes; contact Goodall Homes for a list of eligible homes. All terms and conditions are subject to credit approval, market conditions, and availability. The Temporary 2/1 Buydown will effectively reduce the interest rate by 2% for the first year of the mortgage and 1% for the second year; an escrow account will be funded by Goodall Homes, and funds will be dispersed for the difference in interest during buydown period. Offer is only available on Conventional, FHA, VA, and USDA loans. Promotion cannot be combined with other offers. Promotion may be limited by certain loan program restrictions.

The EasySix Program is only available for borrowers financing the purchase of a new home with an FHA loan from Silverton Mortgage. Principal-only payments are achieved through a builder/seller contribution to an escrow account, with funds dispersed each month and applied toward interest, property taxes, and homeowners’ and mortgage insurance during the initial six-month period. After the initial six-month period, the borrower will be responsible for the full monthly mortgage payment, including principal, interest, property taxes, and homeowners’ and mortgage insurance. EasySix may be limited by certain FHA loan program restrictions, which can reduce the monthly amount covered by the seller. Monthly amounts to be paid by builder/seller that exceed FHA restrictions are the responsibility of and must be paid by the buyer financing with Silverton Mortgage.

The Medical Professionals Program: Financing Designed for Medical Professionals. *Eligible professional designations include: Medical Resident, Medical Doctor (MD), Doctor of Dental Medicine (DMD), Doctor of Ophthalmology (MD), Doctor of Osteopathy (DO),Doctor of Surgery (DCH), Medical Fellow, Doctor of Dental Surgery (DDS), Doctor of Optometry (OD), Doctor of Podiatric Medicine (DPM), Doctor of Pharmacy (PharmD), Doctor of Veterinarian Medicine (DVM), Doctor of Psychiatric Medicine (DPM), and medical residents, fellows, or interns with one of the above degrees. Terms and conditions apply. Not all applicants may qualify. **Example of 100% LTV (0% Cash Down) 7/6 ARM Loan Program with $500,000.00 sales price. $500,000.00 loan amount - 30-year adjustable-rate loan with one point ($5,000) based on 360 monthly payments. Example includes $1,595 origination fee, 7.091% APR, and 6.75% interest rate as of 6/30/2026. Initial monthly payment will be $3,242.99 (principal and interest only). After the initial fixed rate period and subject to the interest rate adjustment caps, the maximum first adjusted rate for this example will never be more than 7.75% with a first adjustment maximum payment of $3,582.06 (principal and interest only). The maximum lifetime rate will never be more than 11.75% with an estimated maximum monthly payment of $5,047.05 (principal and interest only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums, or other applicable escrows. Actual payment amount will be higher. Your interest rate and payment may increase with the first or any subsequent adjustment. This example assumes the Treasury index will be used throughout the life of the loan and will not change. Fees, other charges, and terms subject to change. Available loan programs and terms will vary by state. ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.

All trademarks are property of their respective owners. Vanderbilt Mortgage and Finance, Inc., dba Silverton Mortgage, 1201 Peachtree St NE, Ste 2050, Atlanta, GA 30361. 404-815-0291, NMLS #1561. (http://www.nmlsconsumeraccess.org/. Click or tap if you trust this link.">http://www.nmlsconsumeraccess.org/). Licensing information: https://silvertonmortgage.com/licensing/. Click or tap if you trust this link.">https://silvertonmortgage.com/licensing/. 

Vanderbilt Mortgage and Finance, Inc., dba Silverton Mortgage, 1201 Peachtree St NE, Ste 2050, Atlanta, GA 30361, 404-815-0291, NMLS #1561, (http://www.nmlsconsumeraccess.org). AZ Lic. #BK-0902616, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act license, Licensed by the N.J. Department of Banking and Insurance, Licensed by PA Dept. of Banking and Securities, Rhode Island Licensed Lender. Licensing information: https://silvertonmortgage.com/licensing/

Clayton Properties Group, Inc., doing business as Goodall Homes, and Vanderbilt Mortgage and Finance, Inc., doing business as Silverton Mortgage are each indirect, wholly owned subsidiaries of the same parent company. Because of this relationship, the referral of a customer by Goodall Homes to Silverton, may provide Goodall Homes and Silverton with a financial or other benefit.

All information is believed accurate and is subject to change without notice. 09/2026