Mortgage and Home Loans

_{*The Buy Now, Refinance Later promotion is valid on UFirst Mortgage first lien, purchase loans closed between 6/1/2024 and 12/31/2024. After 6 full payments, the borrower is eligible to refinance the purchase loan and receive a lender credit up to $1,500 towards application lender fees (underwriting, application, and processing fees.)  The UFirst Mortgage refinance must be closed within 12 months after closing on the first mortgage to qualify. Offer applies to conventional mortgages only and no-cash refinancing is permitted.  Refinance loan is subject to underwriting and collateral approval and must be a first mortgage or deed of trust. Only one refi per new loan, and is non-transferrable, subject to the terms herein, and valid on complete and closed loans only. By refinancing an existing loan, your total finance charges may be higher over the life of the loan. Not all borrowers will qualify. Loans are subject to approval and actual terms will depend on credit worthiness and equity position. For example, a $500,000 sales price approved at 97% of value would require a down payment of $15,000. The minimum payment for a $485,000 loan with a 7.00% Annual Percentage Rate (APR) and 30-year term is $3,226.72. This payment example does not include taxes or insurance. Your actual payment may be higher. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. Some fees may apply that can range from $10.00 to $8,000. Must qualify for membership and must have a valid SSN to join. Membership requires a $10 minimum deposit which must be maintained in a savings account. This promotion may not be combined with any other mortgage or real estate offers, discounts or promotions. Offer subject to change without prior notice. Other restrictions may apply.}