125 W Victory View TerraceSmithfield, NC 27577 | Lot# 52 | MLS# 10136477Floor Plan: The CaldwellCommunity: Liberty Creek

Disclaimer

• *Interest rate promotion reflects a temporary 2/1 Adjustable-Rate Mortgage (ARM) buydown structure with an initial interest rate of 2.99% for Year 1, 3.99% for Year 2, and a 4.99% beginning in Year 3 for the remaining term of the loan with a 6.219% APR. Promotion available only on select homes in participating communities in Georgia, North Carolina, South Carolina, Texas, Alabama, and Tennessee, and only for new purchase agreements executed on or before March 31, 2026 and closing by April 30, 2026. Offer not valid on prior contracts, contract rewrites, transfers, or in conjunction with other offers unless expressly approved in writing. Buyer must obtain financing through Ridgeland Mortgage, the seller’s preferred lender, to qualify for this offer. All loans subject to borrower qualification, credit approval, underwriting approval, loan program guidelines, and investor requirements. Interest rate is not guaranteed until locked pursuant to a written rate lock agreement. Seller contribution toward the temporary buydown is subject to applicable loan program limits, agency guidelines, and regulatory caps, and may vary based on loan amount, occupancy type, borrower profile, and other underwriting factors. Taxes, property insurance, mortgage insurance premiums, HOA dues, assessments, escrow amounts, prepaid items, and other fees are not included in advertised payments and will increase the total monthly obligation. [If we aren’t advertising a payment as part of this ad, this sentence should be removed]. Rates, terms, programs, and availability are subject to change without notice. Offer may be modified, suspended, or withdrawn at any time. Void where prohibited by law. Additional restrictions may apply. See sales consultant for complete details. 3/17/26.