Penn West Towns Flipping Book

Welcoming families home for over 75 years.

WELCOME TO Penn West Towns Enola, PA

Panther Sta tion

Commonwealth

Restrooms

Keystone

Northeast

West Enola

Adams-Ricci Community Park East Pennsboro Township 100 East Penn Drive Enola, PA 17025

Caboose

Concession Stand & Restrooms

Citizens

Business Use Only - NVR

Luxury Interior Design Offerings Cabinets&Palettes

DOWNING DURAFORM ESPRESSO

Downing® Duraform Espresso brings the look of a painted finish, matched with the layered tiers of routed faceting. That’s the texture and dimension that characterize Downing. It offers transitional appeal that evolves with each designer’s touch to suit many smart designs.

CABINET FEATURES

• • •

Wrapped MDF Mitered Base cabinets include one center slide-out unit

• • •

5-piece drawer fronts Recessed panel Standard overlay doors

Photos are for illustrative purposes only and are not meant to depict exact colors and features, as they will vary. Cabinet hardware selections are optional and vary by region. See your Sales Representative for details. V4.10.22

CAB-RN-14

DOWNING DURAFORM HARBOR

Downing® Duraform Harbor brings the look of a painted finish, matched with the layered tiers of routed faceting. That’s the texture and dimension that characterize Downing. It offers transitional appeal that evolves with each designer’s touch to suit many smart designs.

CABINET FEATURES

• • •

Wrapped MDF Mitered Base cabinets include one center slide-out unit

• • •

5-piece drawer fronts Recessed panel Standard overlay doors

CAB-RH-30

DOWNING DURAFORM LINEN

Downing® Duraform Linen brings the look of a painted finish, matched with the layered tiers of routed faceting. That’s the texture and dimension that characterize Downing. It offers transitional appeal that evolves with each designer’s touch to suit many smart designs.

CABINET FEATURES

• • •

Wrapped MDF Mitered Base cabinets include one center slide-out unit

• • •

5-piece drawer fronts Recessed panel Standard overlay doors

CAB-RH-29

SONOMA PAINTED LINEN

Mindful simplicity is the very definition of Shaker design, faithfully created in Sonoma® Painted Linen. Expansive surfaces, straight-line framing, uncluttered and open—these are the essentials that invite design interpretations from country farmhouse to city vogue.

CABINET FEATURES

Recessed panel styling Full overlay doors CushionClose® doors and drawers

• • •

• • • •

BeautyGuard® finish 2 1̋ ˝ dovetail drawers ¾̋ ˝ thick wall shelving Veneer center panel

CAB-RN-08

SONOMA MAPLE LATTE

Mindful simplicity is the very definition of Shaker design, faithfully created in Sonoma® Maple Latte. Expansive surfaces, straight-line framing, uncluttered and open—these are the essentials that invite design interpretations from country farmhouse to city vogue.

CABINET FEATURES

Recessed panel styling Full overlay doors CushionClose® doors and drawers

• • •

• • • •

BeautyGuard® finish 2 1̋ ˝ dovetail drawers ¾̋ ˝ thick wall shelving Veneer center panel

CAB-RH-32

A L D R I DG E

| KITCHEN COUNTERTOPS 1 Granite Valle Nevado

2 | OPTIONAL UPGRADE KITCHEN COUNTERTOPS Quartz Iced White

FLOORING 3 | Kitchen/Dinette, Foyer, Powder Room, Mud Room, Family Entry, Garage Entry, Utility/Storage, Optional Morning Room, Bathrooms and Laundry Room Flooring Luxury Vinyl Plank (LVP) Lifeseal Classic Plus Rigid Core Shady Cove

| BATHROOM WALL TILE 4 Caru Colina 13x13 with Rolling Fog Grout

| BATHROOM COUNTERTOPS 5 Cultured Marble White

| UPGRADE CARPET 6 Loch Raven Clam Shell with Upgrade Pad

NOTE: Newel Post and Handrail (and oak stair, if applicable) stain in contrast with satin finish. Optional Laundry Room cabinets and countertops match the Kitchen. In Townhomes and Condos, Powder Rooms with Pedestal Sink flooring matches Foyer. Powder Rooms with Vanity match Secondary Bathroom flooring per the palette selections. Images are for illustrative purposes only and are not meant to depict exact colors and features as they can vary. Homes areas listed vary by floorplan. See Sales and Marketing Representative for further details. DIRN052GQEAT

11.25.GQEAT

L EW I S

| KITCHEN COUNTERTOPS 1 Quartz Carrara Miksa

2 | OPTIONAL UPGRADE KITCHEN COUNTERTOPS Quartz Calacatta Idillio

FLOORING 3 | Kitchen/Dinette, Foyer, Powder Room, Mud Room, Family Entry, Garage Entry, Utility/Storage and Optional Morning Room Flooring Luxury Vinyl Plank (LVP) Lifeseal Classic Plus Rigid Core Beachside Warmth

| OWNER’S BATHROOM 4 Floor and Wall Tile Nobleza Lugo Matte 12x24 with Bright White Grout

5 | SECONDARY BATHROOM AND LAUNDRY ROOM Secondary Bathroom Wall Tile Cavanite Ivory 13x13, Secondary Bathroom Floor and Laundry Room Floor Tile Cavanite Ivory 17x17 with Bleached Wood Grout

| 6 BATHROOM COUNTERTOPS Silestone Ariel

| UPGRADE CARPET 7 Enchanted Wonder with Upgrade Pad

NOTE: Stair and handrail (and oak stair, if applicable) stain in contrast with satin finish. Optional tile upgrade is available for Secondary Baths to match Owner’s Bath. Owner’s Bathroom wall tile installed horizontally staggered 33% offset. If applicable, Owner’s Bath Shower Pan Nobleza Lugo Matte Mosaic 2x2. Optional Laundry Room cabinets and countertops match the Kitchen. In Townhomes and Condos, Powder Rooms with Pedestal Sink flooring matches Foyer. Powder Rooms with Vanity match Secondary Bathroom flooring per the palette selections. Images are for illustrative purposes only and are not meant to depict exact colors and features as they can vary. Home areas listed vary by floorplan. See Sales and Marketing Representative for further details. DIRN050EAT 5.25.EAT

Business Use Only - NVR

Easy Process with NVR Mortgage

Apply with NVRM /Amy

Gather Documents

Loan Application Appointment

Loan Approval

NVRM

10,000 in Flex Cash -up to

Towards Loan

The Homebuying Dictionary

Appraisal: estimation of a home’s market value by a licensed appraiser based on comparable recent sales of nearby homes. Appreciation: the growth in value of your home over time. As a homeowner, you benefit knowing the equity in your home is a pool of money you have increasing as long as you own the home. Conventional Loan: a loan that is not backed by the government and carries private mortgage insurance if you put less than 20% down. Closing: the transfer of property from a seller to a buyer (also called Settlement.) Down Payment: percentage of the home purchase price (usually between 5% and 20%) paid upfront in cash. Escrow: neutral third party that holds funds from the buyer and distributes them when all conditions have been met. Equity: the difference between the home’s current worth and how much is owed on it; it is like a savings account you add to each time you make a mortgage payment.

C D E F H I L M P S T V W

FederalHousingAdministration (FHA): government agency that insures loans designed for low- to moderate- income borrowers. Homeowners’ Association (HOA): management organization within a community that creates and enforces rules for properties within its jurisdiction. Interest Rate: the proportion of a loan that is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding. Loan-to Value (LTV): risk assessment ratio used by lenders; to calculate, divide the mortgage amount by the appraised value. Mortgage Loan: a loan to finance the purchase of a home, with specified payment periods and interest rates.

Preapproval Letter: letter indicating a lender is willing to loan a specific amount of money for a home purchase; preapproval does not guarantee a loan. Settlement: the transfer of property from a seller to a buyer (also called a closing). Title: the right to ownership of real property recognized and protected by the law. VA Loan: mortgage loan for veterans and their spouses, made by private lenders and guaranteed by the U.S. Government.

Warranty: A home warranty covers costly home repairs and replacements due to normal wear and tear. Ryan Homes offers 1-, 2- & 10-year warranties.

Credit Score Basics

Your credit score can range from 300 to 850

300 - 620 621 - 700 701 - 760

761 - 850

A variety of factors make up your credit score

Three bureaus pull three different scores:

Length of Credit History

Equifax®

Payment History

35%

15%

Experian®

10%

Types of Debt

TransUnion®

10%

Mortgage lenders use the middle score.

New Credit

Debt

30%

Different financial decisions can positively or negatively impact your credit score:

30% credit utilization

Secured credit cards

RyanHomes can offer loans for credit scores as low as 580

On-time payments

New Purchases

Unpaid debt

Closing lines of credit

This graphic is for educational puposes. The material provided is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any NVR product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

Business Use Only -NVR

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