* Incentives available with the use of approved Lender and Title Companies. Available on Select Quick Move-In Homes. See a Community Sales Manager for eligible homes. Flex Money is calculated on 3% of the initial loan amount at the time of the contract. For example, initial loan amount of $500,000, the total incentive amount will be $15,000. 2% is paid by Gemcraft Homes and 1% is paid by the Approved Lender and is subject to lending guidelines. All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Reverse Mortgages will be brokered to a third-party lender. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Other restrictions and limitations may apply. This is not a commitment to lend - Envoy Mortgage Ltd. #6666 (www.nmlsconsumeraccess.org) 952 Echo Lane,

Suite 190 Houston, TX, 77024, 877-232-2461  - www.envoymortgage.com | DE - Envoy Mortgage, LP – Licensed by the Delaware State Bank Commissioner Licensed Lender Licensee – License # 011264 MD - Envoy Mortgage, LP – Mortgage Lender Licensee – License #10552 NJ - Licensed by the N.J. Department of Banking and Insurance – NMLS # 6666 – 952 Echo Lane, Suite 190 Houston, Texas 77024 – Phone #877-232-2461, Residential Mortgage Lender Licensee PA - Envoy Mortgage, Ltd. – Mortgage Lender License # 28942, NMLS ID # 6666 VA - Envoy Mortgage, LTD, LP, NMLS ID#6666 (www.nmlsconsumeraccess.org) – Lender License and Broker License # MC3021; WV - Mortgage Lender Licensee #ML-31862 |Other authorized trade names:  Envoy Mortgage LP; Envoy Mortgage of Wisconsin; Envoy Mortgage, A Limited Partnership; Envoy Mortgage, L.P.; Envoy Mortgage, Limited Partnership; Envoy Mortgage, LP; Envoy Mortgage, LTD Limited Partnership; ENVOY MORTGAGE, LTD, LP (USED IN VA BY: ENVOY MORTGAGE, LTD); Envoy Mortgage, LTD. (LP) | 09242025Offer valid on contracts written from January 19 - February 28 2026, and must settle by March 31, 2026, to qualify for incentives. Not available in the community of Oyster House Village. Prices, offers, financing, and availability are subject to change without notice or obligation. See Community Sales Manager for more information.