Encino Estates

Rates are available only on the purchase of select Century Communities or Century Complete homes that contract on or between 7/31/2026 and 8/31/2026 and close on or before 9/30/2026. Availability of rate specials are limited and subject to change at any time without notice. This offer may change upon exhaustion of funds. Rate special is based on a Seller contribution towards discount points and is available through our affiliated lender, Inspire Home Loans, and is subject to limits. Prices, plans, and terms are effective on the date of publication and subject to change without notice. This is not an offering of property to residents in any jurisdiction that may have restrictions on interstate offerings of real estate, unless the property has been so registered, qualified or exemptions are available. It is the intent of Century to sell its residential homes pursuant to an exemption from the registration requirements the Interstate Land Sales Full Disclosure Act (15 U.S.C. 1701, et seq.). ^Receipt of up to $3,00 towards closing costs is contingent upon buyer closing a loan with our affiliated lender, Inspire Home Loans, and is subject to limits. Any incentive to use Inspire Home Loans may not exceed 3% of the sales price. The offer to pay closing costs does not include payment of prepaid taxes, property or mortgage insurance, or mortgage installments. Pre-Payment of HOA assessments are typically subject to lender limits. The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which buyer qualifies. Homebuyer should ask his or her lender about the impact of such limits. *FHA Financing example is based on a sales price of $390,000 with a 3.5% down payment and a minimum credit score of 620. Mortgage is an FHA 5/1 ARM 30-year loan in the amount of $382,936 (including financed up front mortgage insurance premium) with an interest rate of 3.375% (4.225% APR) and monthly payments of $2,897 for the first 60 months of the loan. For months 61-360, interest rate will adjust annually based on current index, margin and rate and payment caps. Monthly principal and interest payments may increase at each annual adjustment. Rate adjustments may not exceed 1.00% annually to a maximum of 5.00% above the Note rate or 8.375%. Monthly payment may rise to a maximum of $3,867. **VA Financing example is based on a sales price of $390,000 with a 0% down payment and a minimum credit score of 620. Mortgage is an FHA 5/1 ARM 30-year loan in the amount of $402,870 (including financed up front mortgage insurance premium) with an interest rate of 3.375% (3.787% APR) and monthly payments of $2,815 for the first 60 months of the loan. For months 61-360, interest rate will adjust annually based on current index, margin and rate and payment caps. Monthly principal and interest payments may increase at each annual adjustment. Rate adjustments may not exceed 1.00% annually to a maximum of 5.00% above the Note rate or 8.375%. Monthly payment may rise to a maximum of $3,835. ***Conventional financing example is based on a sales price of $390,000 with a 10% down payment and a minimum credit score of 740. Mortgage is a Conventional 7/6 ARM 30-year loan in the amount of $351,000 (including financed up front mortgage insurance premium) with an interest rate of 3.875% (6.433% APR) and monthly payments of $2,771.78 for the first 84 months of the loan. For months 85-360, interest rate will adjust every 6 months based on current index, margin and rate and payment caps. The first rate adjustment may not exceed 5% above the note rate or 8.875%, thereafter monthly principal and interest payments may increase at each biannual adjustment by up to 1% to a maximum of 5.00% above the Note rate or 8.875%. Monthly payment may rise to a maximum of $3,684.20. Financing example is based on a sales price of $390,000 with a 3.5% down payment and a minimum credit score of 620. Mortgage is an FHA 30-year fixed rate loan in the amount of $382,936 (including financed upfront mortgage insurance premium) with an interest rate of 4.875% (5.759% APR) and monthly payments of $3,231.12. Financing example is based on a sales price of $390,000 with a 0% down payment and a minimum credit score of 620. Mortgage is a VA 30-year fixed rate loan in the amount of $402,870 (including financed upfront mortgage insurance premium) with an interest rate of 4.875% (5.332% APR) and monthly payments of $3,165.52. VA loans are available to eligible veterans and certain other service members. To check eligibility requirements see: www.va.gov/housing-assistance/home-loans/eligibility/. Additional loan qualification requirements may apply as established by the Dept. of Veterans Affairs. Financing example is based on a sales price of $390,000 with a 10% down payment and a minimum credit score of 740. Mortgage is a Conventional 30-year loan in the amount of $351,000 (including financed up front mortgage insurance premium) with an interest rate of 4.875% (5.41% APR) and monthly payments of $2,978.77. Monthly principal and interest, taxes, mortgage insurance and hazard insurance are included in the above payments. HOA assessments are additional and are not included in the above payment. Interest rates, payments, terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Interest rates may not be available at time of loan commitment or closing. Loans are subject to credit approval. Restrictions and conditions may apply. Loan program is available through Inspire Home Loans® | NMLS # 1564276, www.inspirehomeloans.com, click here for State Licensing Disclosures with additional information found at NMLS Consumer Access: www.nmlsconsumeraccess.org. ©2026 Century Communities, Inc.