Rate Buy Down Promotion
OFFER VALID ON INVENTORY HOMES IN THE HEIGHTS AT UPTOWN CELINA, NORTH SQUARE AT UPTOWN CELINA AND CHATHAM RESERVE. Terms & conditions apply. Cannot be used with any other incentive. Home must contract by 8/31/26 and close by 9/30/26.
Contact Southern Lending Services to learn more.
OLIVIA CLARKE HOMES — FHA with 2/1 BUYDOWN – BFC — $518,135 at 5.99%/6.796%APR – 8.04.26
For example, if you are buying a $518,135 home with a 3.5% down payment, a $508,750 loan amount which includes upfront mortgage insurance, with a 680 FICO score on a 2/1 temporary buydown for a 30-year FHA mortgage, your principal and interest payments will break out as follows: Year 1, Rate 3.99%/6.796%APR, monthly payment of $2,425.92; Year 2, Rate $4.99%/6.796%APR, monthly payment of $2,727.97; Year 3-30, Rate 5.99%/6.796APR, monthly payment of $3,046.94. Financing must be obtained through Southern Lending Services Mortgage. Payment examples do not include homeowner insurance of $140, estimated taxes of $767.70, monthly mortgage insurance of $227.89, or any HOA fees. Interest rates are subject to agency loan level pricing adjustments for FICO score and loan to value. Special financing available for homes with purchase contracts signed by 8/31/2026, and close by 9/30/2026. Example terms available as of 8/3/2026.
Olivia Clarke Homes locked-in, through Southern Lending Services, a fixed interest rate for a pool of funds made available to homebuyers on certain properties for a limited time. Rates available until pool of funds is depleted or promotion expires. Interest rate offered applies only to Olivia Clarke Homes financed through Southern Lending Services for a borrower’s principal residence. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time with no prior notice. Limited to select homes financed by Southern Lending Services. Participating in the lock program is not a commitment to lend. Lock program must be mentioned at the time of application and is not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Olivia Clarke Homes. Not applicable with any other offers. Locking the promotional interest rate is the borrower’s responsibility with Southern Lending Services. Locking is done at the borrower’s discretion and all rates / fees quoted are valid only at the time presented. All terms and conditions subject to credit approval, market conditions and availability. Example terms available as 8/3/2026. ©2026 Southern Lending Services, Ltd. NMLS# 342900. www.SouthernLendingServices.com | info@southernlendingservices.com. Equal Housing Opportunity.
OLIVIA CLARKE HOMES – CONV BFC 7/6 ARM w/ 1/0 Buydown – $625,000 AT 5.75% – W/ 20% Down – 08.04.2026
For example, on a 30-year conventional 7/6 adjustable-rate mortgage (ARM) with a 1/0 temporary buydown, a sales price of $625,000, a 20% down payment, a $500,000 loan amount, closing fees of $11,948.95, a 780 FICO score, with a note rate of 5.75% (6.146% APR) you would have 12 monthly principal and interest payments of $2,608.25 at 4.75% for the first year, and 72 monthly principal and interest payments of $2,359.33 for years 2-7 of the ARM. Payment example does not include homeowner insurance, taxes, or any HOA fees. Starting in year 8 the ARM interest rate may increase every six (6) months based on the 30-day SOFR index with a 2.75 margin, a 5% maximum first adjustment, a 1% maximum increase at subsequent adjustments with a lifetime cap of 5% over the life of the loan. Rates are subject to agency loan level pricing adjustments for FICO score and loan to value. Olivia Clarke Homes locked in, through Southern Lending Services, a fixed interest rate for a pool of funds made available to homebuyers on certain properties for a limited time. Rates are available until the funds are depleted or promotion expires. The interest rate offered applies only to Olivia Clarke Homes, financed through Southern Lending Services for a borrower’s principal residence. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time without prior notice. Participating in the lock program is not a commitment to lend. Lock program must be mentioned at the time of application and is not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Olivia Clarke Homes. Not applicable with any other offers. Locking the promotional interest rate is the borrower’s responsibility with Southern Lending Services. Locking is done at the borrower’s discretion and all rates/fees quoted are valid only at the time presented. All terms and conditions are subject to credit approval, market conditions, and availability. Example terms available as 8/3/2026. ©2026 Southern Lending Services, Ltd. NMLS# 342900. www.SouthernLendingServices.com | info@southernlendingservices.com. Equal Housing Opportunity.
OLIVIA CLARKE HOMES – CONV BFC – $625,000 AT 5.99% – W/ 20% Down – 08.04.2026
For example, on a 30-year conventional mortgage with a sales price of $625,000, a 20% down payment, a $500,000 loan amount, closing fees of $11,928.95, a 780 FICO score, with a note rate of 5.99% (6.080% APR) you would have 360 monthly principal and interest payments of $2,994.54. Payment example does not include homeowner insurance, taxes, or any HOA fees. Rates are subject to agency loan level pricing adjustments for FICO score and loan to value. Olivia Clarke Homes locked in, through Southern Lending Services, a fixed interest rate for a pool of funds made available to homebuyers on certain properties for a limited time. Rates are available until the funds are depleted or promotion expires. The interest rate offered applies only to Olivia Clarke Homes, financed through Southern Lending Services for a borrower’s principal residence. Not all borrowers will qualify. This offer is available for a limited time and can be stopped at any time without prior notice. Participating in the lock program is not a commitment to lend. Lock program must be mentioned at the time of application and is not valid on contract re-writes, transfers, or for buyers who have had a previously signed contract with Olivia Clarke Homes. Not applicable with any other offers. Locking the promotional interest rate is the borrower’s responsibility with Southern Lending Services. Locking is done at the borrower’s discretion and all rates/fees quoted are valid only at the time presented. All terms and conditions are subject to credit approval, market conditions, and availability. Example terms available as 8/3/2026. ©2026 Southern Lending Services, Ltd. NMLS# 342900. www.SouthernLendingServices.com | info@southernlendingservices.com. Equal Housing Opportunity.
