Disclaimer Promotional 4.99% (5.51% APR) 7/6 ARM Rate¹

¹This 7/6 adjustable-rate mortgage remains fixed at 4.99% (5.51% APR) for the first SEVEN years of your loan. Starting in year EIGHT, the rate will adjust every six months based on index changes. Offers available when you sign a purchase agreement on a select new home in Edina, Mn area between 07/10/26 and 08/10/26 and close by 09/30/26. APR achieved by NR Properties paid forward rate buydown commitment. Interest rate requires financing through Luminate Bank. Promotion valid with 7/6 ARM, minimum 760 FICO, 75% LTV, up to $1.5 Million loan amount, 35% DTI Max, Owner Occupied, Buyer paying 1 point. Rates and terms subject to change. Valid on qualifying NR Properties INC homes located in Edina Minnesota. Not valid with any other financing or closing cost promotions offered by NR Properties Inc and Luminate Bank Promotion is subject to finance program limitations and subject to change without notice, including market conditions and availability. Not an offer to finance. Additional closing costs will apply. Buyer is not required to finance through Luminate Bank to purchase a home, however, buyer must use Luminate Bank to receive this offer. NR Properties Inc does not represent Luminate. Luminate Bank. NMLS #1281698. Corporate Headquarters 2523 S. Wayzata Blvd. Suite 100, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: www.nmlsconsumeracess.org

CIP Disclosure: Important Information about Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (e.g., establishes a formal relationship by means of a loan application) What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.