Take 5 Program: *5% Down Payment Reduction (the "Reduction"). Vanderbilt Mortgage Portfolio loans only. Not available with FHA, USDA, VA, or GSE loans. Reduction available for applications submitted between January 1, 2024 and April 30, 2024 for loans to finance the purchase of new manufactured and modular homes from a Clayton Family of Brands retailer. All loans are subject to credit approval. To qualify for Reduction, the loan program must originally require more than a 5% down payment. For eligible loans, the required down payment percentage will be reduced by 5% of the down payment percentage. Minimum down payment of 5% still required (whether in cash or land value, as applicable). Home must be used as the borrower’s primary residence and not as a second home, "buy for," or investment purchase. Reduction example: On a $100,000 purchase price with a 10% ($10,000) required down payment, the down payment will be reduced to 5% ($5,000). Reduction cannot be combined with any other offer. Vanderbilt reserves the right to cancel the Reduction at any time.

Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law license, Licensed by PA Dept. of Banking.