ABOUT BERKELEY BUILDING CO.

*TERMS & CONDITIONS

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. All trademarks are property of their respective owners.

Contact your Berkeley Building sales manager for a list of eligible properties. Promotion available for qualifying purchase contracts signed from 11/01/2025 – 12/23/2025. All terms and conditions subject to credit approval, market conditions, and availability.

Silverton Mortgage closing cost credit is paid by Berkeley Building and is only available for borrowers financing the purchase of a new home from Berkeley Building with Silverton Mortgage. Closing cost credit will be limited to the amount of the actual closing costs, up to $35K on all qualifying homes under contract by 12/23/2025. Closing costs that exceed the up to $35K promo amount are the responsibility of and must be paid by the buyer financing their home with Silverton Mortgage. Closing cost credit may not be available with all loan programs.

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/). All information is believed to be accurate and is subject to change without notice. Equal Housing Opportunity. 10/2025.

 *Example of 80% LTV Conventional Loan Program with $500,000.00 sales price. $400,000.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $2,144.84 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 $100,000.00 required. Example assumes 780 credit score and includes $1,495 origination fee, 5.107% APR, and 4.99% interest rate as of 09/09/25. Rate, fees, other charges, and terms subject to change. Available loan programs and terms will vary by state. Contact your Berkeley Building sales manager for a list of eligible homes. Contracts written between 11/01/2025 – 12/23/2025. Loan must close before 02/15/26. 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 $500,000.00 sales price. $490,943.00 loan amount - 30-year fixed rate loan with zero points based on 360 monthly payments at $2,144.84 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 $17,500.00 required. Example assumes 780 credit score and includes $1,495 origination fee, 5.248% APR, and 4.99% interest rate as of 09/09/25. Rate, fees, other charges, and terms subject to change. Available loan programs and terms will vary by state. Contact your Berkeley Building sales manager for a list of eligible homes. Contracts written between 11/01/2025 – 12/23/2025. Loan must close before 02/15/26. 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.

*Berkeley Building Disclaimer: Holiday Appreciation Sales Event applies to contracts written between 11/01/2025 – 12/23/2025 on all qualifying homes. Holiday Appreciation Sales Event Promo is available to well qualified buyers, on full-price non-contingent contracts when using Silverton Mortgage, or on all cash offers. Holiday Appreciation Sales Event Promotional Credits of up to $35K may be applied in a variety of ways, including 1) Seller paid closing costs or rate buy down when using Silverton Mortgage, 2) Eligible upgrade options, or a combination thereof up to stated maximum amount. Holiday Appreciation Sales Event Promotional 4.49% Interest Rate is subject to credit approval, market conditions, and availability. Loans must close by 02/15/2026.  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. Subject to lender rules, restrictions, and program qualifications. Contact Berkeley Building for full list of qualifying homes. Promotional offers cannot be combined. Builder credit to be reflected on closing settlement statement. Subject to change without notice.