*Special financing rate offer for quick move-in ready homes is paid for by Ashton Woods and is based upon a loan with the following terms: A 30-year, fixed rate mortgage with a home purchase price of $400,990, 3.5% down payment, FHA or VA Loan with a 3.49% rate, annual percentage rate (APR 3.68%) and assumes a minimum 620 credit score for the borrower. Only available in Ashton Woods San Antonio communities for contracts written between January 21, 2026 and January 31, 2026, on certain available homes.  Home must close on or before February 28, 2026. The following restrictions apply: restrictions on the maximum loan amount and loan-to-value ratio apply. The estimated monthly payment does not include taxes, insurance premiums, or mortgage insurance (MI). The payment amount will be greater. For use with the Ashton Advantage Program. Restrictions on the maximum loan amount and loan-to-value ratio apply. To receive the promotional interest rates, home purchased must be the borrower's primary residence. Restrictions on the maximum loan amount and loan-to-value ratio apply. Financing is offered by Velocio Mortgage (NMLS ID #1529234), an affiliated lender of Ashton Woods. This is not an offer of any specific interest rate or a commitment to make a loan and only buyer’s lender can offer a specific interest rate or issue a loan commitment under this special financing rate promotion. Receiving the advertised rate and incentive requires participation in the Ashton Woods Advantage program, including use of Velocio Mortgage, which is an affiliated lender. However, use of Velocio Mortgage is not required to purchase an Ashton Woods home. Ashton Woods is not a lender or mortgage broker and does not offer loans or mortgages. Ashton Woods has locked-in, through Velocio Mortgage, a fixed interest rate for a pool of funds. Rate is only available until pool of funds is depleted. The special financing rate is only available for a limited time and only limited quantities of loans at the special financing rate are available. Rate is dependent on the type of loan the buyer obtains. Rate offer is on a first come, first serve basis. Rate is subject to change upon exhaustion of funds, and may be adjusted depending on buyer’s credit profile, loan to value ratio and/or certain property characteristics. Rate is not guaranteed, and buyer must satisfy all conditions or requirements for approval of buyer’s mortgage loan by buyer’s lender for the financing and purchase of the property. Qualification, income and/or geographic restrictions may apply. Offer only available on homes that are purchased as a primary residence. Buyer must obtain an FHA or VA loan, with a minimum credit score of 620, in order to qualify for the special financing rate. Incentives and contributions by Ashton Woods are subject to certain terms, conditions and restrictions and certain incentives may be limited by the lender or could affect the loan amount. This communication is provided for informational purposes only and should not be relied upon by you, not to be construed as a quotation or offer of credit from any lending institution. Programs, prices, rates, terms and conditions subject to change without notice. Actual rates available to you may vary based upon a number of factors including credit score, documentation level and market conditions. All loans subject to credit approval. Other restrictions may apply. See terms and conditions for complete information. Supply of homes and homesites at these prices are limited and subject to availability. Must comply with all the conditions of the Ashton Woods Advantage Program including use of the Affiliated Lender, Velocio Mortgage to be eligible for incentives. Not available with any other offer, promotion or negotiation. Other restrictions may apply. Offer or promotion subject to change. **Up to $12,000 in closing costs, prepaids, interest rate buydowns and or/HOA dues on certain available Ashton Woods inventory/quick move-in homes. To receive closing costs incentive home must be financed with Velocio Mortgage, an affiliate of Ashton Woods Homes. Amount of incentive may vary by home. Programs, prices, rates, terms and conditions subject to change without notice.