How It Works

• (Example) If your current loan balance is $300,000 it will be $300,000 after your refi, except you’ll have a lower rate. The way we’re able to do this is because the borrower gets a credit for interest rate chosen and from that, all the non-recurring closing costs are paid, whereas our competitors make the full 2.5% on average and charge the borrower closing costs.
• Additionally, because of the nature of the no points no cost loan, we can refinance ALL of our past clients every time the rates drop, since it never costs anything to refinance them again, so we usually have a lot more business in repeat customers, as well as referrals from past customers.

On average, our customers have refinanced 4 times with us since 2008.