Special Offers

**NorthStar Mortgage Advisors, a division of Canopy Mortgage, LLC, is not sponsored by, affiliated with, or acting on behalf of Smith Family Homes. Smith Family Homes is not a lender or mortgage broker. This is an advertisement of and prepared solely by NorthStar Mortgage Advisors. Special rate available only on select homes. Speak with a NorthStar Mortgage Advisors representative for information about qualifying homes. Advertised rate is based on an optional permanent rate buydown and rate lock with a note rate of 5.99% (6.787 % APR) on a 30-year VA or FHA owner occupied purchase money loan, with a down payment of 3.5% for FHA loans and 0% for VA loans, for qualified applicants meeting approval criteria, including a credit score of at least 680 for FHA and VA loans. On a home with a purchase price of $400,000 and a down payment of $14,000, resulting in a base loan amount of $386,000 plus a financed upfront mortgage insurance premium of $6,755 for a total loan amount of $392,755, this would result in an interest rate of 5.99% (6.787% APR) and an estimated monthly principal and interest payment of $2,352. Estimated monthly payments do not include amounts for property taxes, hazard insurance, mortgage insurance premiums, or homeowners association dues, and actual payment obligations will be greater. Down payment assistance is not offered with the advertised rate. Additional closing costs will apply in connection with the advertised rate. Rate as of 9/3/26. Availability of the advertised rate is limited and is on a first come, first served basis. Limited funds are available. Some buyers may not qualify for a loan or the advertised rate. Applicants must qualify for financing at the note rate of 5.99% (6.787% APR). A higher rate or discount points may apply based on applicant characteristics at the time of rate lock. Term of rate lock is limited to 90 days from the commitment date of 9/3/26 until 12/3/26. Not a commitment to lend. Lending programs may not be available for all buyers or homes. Promotion is subject to any applicable governmental and lender restrictions and will be reduced or withdrawn to the extent required by any such restrictions. Promotion is void where prohibited by law and shall be limited in all events to the specific terms set forth in the binding contract for the specific home. NorthStar Mortgage Advisors, a division of Canopy Mortgage, LLC, 2414 Dallas Hwy., Bldg. 100, Ste. 200, Marietta, GA 30064, (404) 409-0300. NMLS #1359687, www.nmlsconsumeraccess.org. Georgia Residential Mortgage Licensee 1724572. All loans subject to credit and property approval. Equal Housing Lender.