*Example: $365,900 purchase price, 3.5% down, $359,272 loan amount, 30-year FHA fixed at 6.000% rate/7.279% APR. $2,591.83 monthly payment includes PITI, mortgage insurance and HOA dues. Up to $9,000 builder credit with First Colony Mortgage financing toward eligible closing costs; no cash value or combination with other offers. Rates/terms as of 9/29/26; subject to change. Offer valid through 10/31/26. Terms and conditions apply. Not a commitment to lend or rate lock. First Colony Mortgage Corporation, NMLS #3112. Equal Housing Opportunity. Madeline Morgan, Loan Officer, NMLS #2273363, 801-793-0087, madeli