Terms & Conditions

Rate-lock program and all incentives available solely in connection with full-price purchase agreements on select inventory homes (see a Meritage sales counselor for information about qualifying homes) that meet all of the following qualifications: (a) the new home purchase agreement for such home is entered into by buyer and accepted by Meritage Homes in select communities in the Houston area between December 1, 2025, and December 14, 2025, close within five (5) days of the homes being completed OR within 30 days from the time of purchase, but in either event, no later than January 29, 2025; and (b) the purchase of the home is financed using a 30-year, conforming conventional, VA, or FHA, owner-occupied loan program offered by MTH Mortgage; Buyer must use preferred lender and title company (MTH Mortgage and Carefree Title) for the home purchase to participate in the program to receive the rate buy down; and (c) if Buyer uses Meritage preferred lender and title company, Buyer may receive interest rates as low as 2.99% in the first year, 3.99% in the second year, and 4.99% for the remainder of the loan (5.752% APR). Based on home price of $400,000.00 – 640/780 credit score – Loan to Value 96.5% FHA, 100% VA, 80% Conventional – 4.99% (5.807% APR FHA, 5.093% VA, 5.068% Conventional). Term 4.99% (5.807% APR FHA, 5.093% VA, 5.068% Conventional) rate-lock of the qualifying mortgage, may vary, based on state of completion of home and other factors). (d) All-in payment for Year 1 as low as $1,859/month calculated based on FHA – $259,390 SP, 3.5% down, 640 credit score, 2.99 Rate (5.807% APR) and includes P&I, MIP, property tax, and hazard insurance. Interest rates subject to change except to the extent locked pursuant to the rate-lock terms and conditions provided by MTH Mortgage. Interest rate lock and amount available only for homes whose purchase is financed using a 30-year conforming conventional, VA, or FHA, owner-occupied loan program offered by MTH Mortgage – must obtain a qualifying loan from MTH Mortgage to finance the home purchase in order to participate in the program. Interest rates are subject to change except to the extent locked pursuant to the rate-lock terms and conditions provided by MTH Mortgage. Term of rate-lock may vary, based on stage of completion of home and other factors. Interest rates subject to change except to the extent locked pursuant to the rate-lock terms and conditions provided by MTH Mortgage. Closing Costs promotion is in the form of a credit equal and applicable to customary closing costs (title policy, escrow agent fees and costs, and loan origination fees) whose purchase is towards a 30-year conventional loan, VA, or FHA, owner-occupied loan program available only if buyer obtains a mortgage loan through MTH Mortgage, LLC. Buyer is free to select an alternate lender or to pay in cash, or to use an alternate Closing Agent, but in such event, Meritage Homes will not provide the pre-paid interest and loan origination fees promotion. In no event may the closing costs credit exceed 3% if the base price of the home, and any portion of the credit that is unused on valid closing costs for any reason will be forfeited. Savings amount may vary, is in the form of a discounted sale price, and is based on standard price for home with included options prior to promotion reduction and does not constitute a guaranty or representation of value. Savings is applicable solely upon closing and buyer’s compliance with all terms and conditions of qualifying contract. Closing cost incentive availability and amount may vary and may not be available for all purchase transactions. The aggregate total of all credits and incentives provided by Meritage and/or MTH Mortgage in connection with this promotion or otherwise associated with the purchase of the home that require a qualifying loan from MTH Mortgage to finance the home shall in no event exceed the sum of three percent (3%) of the base price of the home plus any lot/unit premium, and if, for any reason whatsoever, the aggregate of such credits and incentives exceeds such amount, then such credits and incentives will be reduced automatically so that the aggregate of such credits and incentives is equal to three percent (3%) of the base price of the home plus any lot/unit premium. Closing cost cap is up to 3% based off a qualified buyer with a 10% down payment on a loan amount of $350,000. In such event, buyer may still be able to take advantage of certain loan programs offered by MTH Mortgage, but buyer would be solely responsible for the costs associated with such program. Meritage Homes reserves the right to cancel or change this promotion at any time, without prior notice or obligation. Promotion must be mentioned at time of contract and is not valid on contract re-writes, transfers, or for buyers who have had a previous contract with Meritage Homes cancelled for any reason. Promotion applicable solely upon closing and buyer’s compliance with all terms and conditions of qualifying contract. Promotion cannot be combined with any other promotion or incentive. Promotion subject to any applicable governmental and lender restrictions and will be reduced or withdrawn to the extent required by any such restrictions. Promotion 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. Meritage Homes reserves the right to cancel or change this promotion at any time, without prior notice or obligation. Visit http://www.meritagehomes.com/featuredescriptions for information and disclaimers about energy-efficient features and associated claims. Meritage may offer your agent the opportunity to receive a bonus if you purchase a home in this community, subject to your agreement with your agent. This incentive does not impact the listed purchase price or loan terms. Please speak with your agent if you have questions. Pictures and other promotional materials are representative and may depict or contain floor plans, square footages, elevations, options, upgrades, extra design features, decorations, floor coverings, decorative light fixtures, custom paint and wall coverings, window treatments, landscaping, pool, spa, sound and alarm systems, furnishings, appliances, and other designer/decorator features and amenities that are not included as part of the home and/or may not be available in all communities. Home, pricing and community information is subject to change, and homes to prior sale, at any time without notice or obligation. Not an offer or solicitation to sell real property. Offers to sell real property may only be made and accepted at the sales center for individual Meritage Homes communities. Limitations may apply. See Meritage sales counselor for details of all incentives applicable to any specific home. Meritage Homes®, Setting the standard for energy-efficient homes®, and Life. Built. Better.® are registered trademarks of Meritage Homes Corporation. ©2025 Meritage Homes Corporation. All rights reserved.