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Lifetime Rate Reduction Program

Our Promise:

If you choose to close a loan with us now and interest rates ever go down in the future, we will refinance your loan with no lender fees AND we will waive the appraisal fee. This means that you won’t have to pay any fees to Equity Now or an appraisal fee when you refinance, and you’ll be able to take advantage of lower interest rates without any added costs.

Our commitment to you doesn’t end with your initial loan closing. We stand by our promise to provide you with the best mortgage experience possible, and we believe that means offering you the opportunity to refinance your loan if rates drop.

We want to be your mortgage lender for life, and this lifetime rate reduction program is just one way that we show our commitment to you. So if you’re ready to take the next step in your home ownership journey, choose Equity Now and take advantage of our lifetime rate reduction program.


Conditions and restrictions apply. Not all applicants will qualify. Rates and terms are subject to change without notice. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states.

If rates change after you obtain a loan (“original loan”) through Equity Now Inc. (“Lender”), you may qualify for a refinance loan (“refi”) with Lender through Lifetime Rate Reduction Program. Lender will cover the cost of the applicant’s appraisal up to $600.  Appraisal fee is paid at application and refunded after the loan funds. Applicants are responsible for any amount greater than $600. Discount may be less in instances where other concessions have been made to applicant. Lender will also waive fees paid by applicant to Lender (“Lender Fees”) on this refi loan. 3rd party charges will still apply. To be eligible for appraisal fee offer and no lender fees offer, applicant must provide a complete application, submit requested documentation, and have their credit pulled. Refi approval subject to borrower and property qualifications, not all applicants will qualify. Refi offer is available after 6 payments have been made on the original loan.  Applicable on new applications only – not available for loans currently in process.  Speak to a Loan Originator for more information.

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