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Lifetime Refinance Guarantee ('Guarantee') applies to the refinancing of an existing loan originally funded by FutureMortgage.com LLC, secured by the same property, and accompanied by a valid Future Mortgage Lifetime Refinance Guarantee certificate. The Guarantee is non-transferable and does not apply to new property purchases, home equity loans, renovation loans, bond programs, down payment assistance programs, or loans originated through third-party platforms or FutureMortgage.com LLC's wholesale channels. To be eligible, applications must be submitted directly to FutureMortgage.com LLC. For Guarantees issued on or after January 1, 2019, the benefit may not be redeemed within 12 calendar months of issuance. All future refinances are subject to borrower qualification, investor and regulatory guidelines, and applicable laws at the time of application. The Guarantee waives the lender fee on eligible future refinance transactions but does not cover discount points or third-party costs. FutureMortgage.com LLC cannot guarantee loan approval, future rates, or appraised values. Terms and conditions are subject to change without notice.
Testimonial Disclosure: No compensation was provided in exchange for any testimonial featured on this site. Individuals pictured may not be the actual endorsers and are shown for illustrative purposes only.
Refinance Disclosure: Refinancing an existing loan may result in higher total finance charges over the life of the loan.
Rate Assumptions: Rates displayed are subject to change without notice and assume the loan is for the purchase or refinance of an owner-occupied single-family home. Assumptions include a debt-to-income ratio of 35% or less, sufficient assets and reserves, and a loan-to-value (LTV) of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points, which may consist of origination, discount, and lender fees. For adjustable-rate mortgages, interest rates may increase over the life of the loan after the initial fixed-rate period. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a personalized rate and payment quote.