M/I Homes, Inc. (MHO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.376 Good morning, ladies and gentlemen, and welcome to the MI Homes Third Quarter Earnings 00:00:04.376 -- 00:00:08.180 Conference Call. At this time, all lines are in listen-only mode. 00:00:08.180 -- 00:00:11.844 Following the presentation, we will conduct a question and answer session. 00:00:11.844 -- 00:00:15.689 If at any time during this call you require immediate assistance, please press star zero 00:00:15.689 -- 00:00:20.474 for the operator. This call is being recorded on October 22, 2025. 00:00:20.474 -- 00:00:23.317 I would now like to turn the conference over to Phil Creek. 00:00:23.317 -- 00:00:25.760 Please go ahead. 00:00:25.760 -- 00:00:31.137 Thank you for joining us today. On the call with me is Bob Schottenstein, our CEO 00:00:31.137 -- 00:00:36.103 and President, and Derek Clutch, President of our mortgage company. 00:00:36.103 -- 00:00:41.609 First, to address regulation fair disclosure, we encourage you to ask any questions regarding 00:00:41.609 -- 00:00:47.296 issues that you consider material during this call because we are prohibited from discussing 00:00:47.296 -- 00:00:50.774 significant non-public items with you directly. 00:00:50.774 -- 00:00:55.821 And as to forward-looking statements, I want to remind everyone that the cautionary language 00:00:55.821 -- 00:01:00.849 about forward-looking statements contained in today's press release also applies to 00:01:00.849 -- 00:01:06.136 any comments made during this call. Also, be advised that the company undertakes 00:01:06.136 -- 00:01:11.645 no obligation to update any forward-looking statements made during this call. 00:01:11.645 -- 00:01:13.687 With that, I'll turn the call over to Bob. 00:01:13.687 -- 00:01:18.398 Thanks, Phil. Good morning, and I, too, wan...