Cole West

The advertised loan is a conventional 7/6 Adjustable-Rate Mortgage (ARM) with an initial interest rate of 5.75% (6.64% APR), fixed for the first 7 years. After the fixed period, the rate adjusts every 6 months based on the Secured Overnight Financing Rate (SOFR) plus a 3.00% margin, subject to caps of 5% at the first adjustment, 1% per adjustment thereafter and 5% over the life of the loan. After the first 7 years, the interest rate and monthly payment may increase. Rate assumes a purchase transaction with 30-day lock pricing, minimum 780 FICO and 90% LTV. Intercap Lending contributes 1% of the loan amount up to $5,000, with Cole West contributing $10,000. Rates and terms effective as of 8/21/2026 and subject to change. Not all applicants qualify.
Renderings and floor plans, including dimensions, are for marketing purposes only and are not binding on seller in any contract. Illustrations may therefore depict conceptual color schemes, additional fixtures and optional features which may include, but are not limited to: Window color, front door styles, garage door styles and additional window placement(s). Window locations, porches, ceiling heights and room dimensions vary per elevation. The availability of certain options is subject to construction status and schedule. Optional features may be predetermined and included at an additional cost on select homes. Cole West reserves the right to change elevations, specifications, materials and prices without notice or obligation. All square footages and room dimensions shown are approximate. Incentives may be exclusive to specific floorplans. Please contact your sales counselor to inquire about the options available to you. The seller maintains the right to adjust pricing until contracts are finalized. Any commissions for buyer’s agent(s) will be negotiated at the time of contract. Copyright (C) 2026 Cole West. All rights reserved. 610 N 800 W, Centerville, UT 8401

This scenario is for illustrative purposes only and is not an offer or commitment to lend. Assumes a purchase transaction with a 30-day lock, minimum 780 FICO score, 96.5% loan-to-value. Intercap Lending contributes 1% of the loan amount up $5,000, Cole Westcontributing $10,000. Rates and terms effective as of 8/20/2026 and subject to change. Not all applicants qualify. The payment shown includes the first year of HOA payments made by the builder. After the first year, the HOA is not covered in this scenario. This is notan offer or commitment to lend. All loans are subject to underwriting and credit approval. Not all applicants will qualify. Terms and conditions apply. Program administered by Utah Housing Corporation. NMLS#190465 | Equal Housing Lender | www.intercaplending.com | 910 E 6600 S, Salt Lake City, UT 84121 Renderings and floor plans, including dimensions, are for marketing purposes only and are not binding on seller in any contract. Illustrations may therefore depict conceptual color schemes, additional fixtures and optionalfeatures which may include, but are not limited to: window color, front door styles, garage door styles and additional window placement(s). Window locations, porches, ceiling heights and room dimensions vary per elevation. The availability of certain options issubject to construction status and schedule. Optional features may be predetermined and included at an additional cost on select homes. Cole West reserves the right to change elevations, specifications, materials and prices without notice or obligation. All squarefootages and room dimensions shown are approximate. Incentives may be exclusive to specific floor plans. Please contact your sales counselor to inquire about the options available to you. The seller maintains the right to adjust pricing until contracts are finalized.Any commissions for buyer’s agent(s) will be negotiated at the time of contract. Copyright (C) 2026 Cole West. All rights reserved. 610 N. 800 W, Centerville, UT 84014.