¹Annual Percentage Rate (APR) is effective 11/01/2025 and is subject to change at any time. Offer is available for eligible borrowers purchasing a primary residence in the Roosevelt Reserves using a First Merchants Next Horizon Mortgage. Maximum loan amount is $400,000. Minimum credit score is 600. Payment Example 1: A $350,000 loan with interest rate of 5.00%, a 3% down payment, and a $1,300 origination fee plus additional closing costs of $750, assuming a 700 credit score, would result in an estimated monthly principal and interest payment of $1,878.88 with an APR of 5.052%. Payment Example 2: A $350,000 loan with interest rate of 5.25%, no down payment, and a $1,300 origination fee plus additional closing costs of $750, assuming a 700 credit score, would result in an estimated monthly principal and interest payment of $1,932.71 with an APR of 5.302%. Estimated monthly payments do not include amounts for taxes and insurance. Closing costs may vary. All loans are subject to credit approval. Underwriting terms and conditions apply. Some restrictions may apply. Offer is subject to change at any time. Cannot be combined with any other offers, discounts, or specials. ²Grant is available to first-time homebuyers with qualifying income at or below 100% of the Median Family Income. Grant funds may be applied to down payment, closing costs, and/or homebuyer counseling costs. Funds are limited and available on a first-come, first-served basis until funds are exhausted. Homebuyer counseling is required. Grant is subject to a second lien with a 5-year retention period. Home buyer must maintain ownership and reside in the home as the primary residence for five years from the closing date or repay a prorated amount of the grant. After five years, the grant is forgiven in full. First Merchants Bank reserves the right to modify the program at any time without notice. First Merchants is not affiliated with Roosevelt Reserves or Starks Signature Homes.