*Promotional rate applies to contracts written for a limited time on select homes in Texas that close by November 30,2025. The interest rate applies to a 30-year FHA or Conventional loan. The interest rate is reduced to 4.99%* (5.036% APR)* for 30 years. The Annual percentage rate is 5.036%. A 3.5% down payment and minimum credit score of 640 is required for FHA loans.*