5 Year Protection Pledge

To qualify, original loan rate must be locked by 01/31/2026.

If rates change after you obtain a loan ("original loan") through New American Funding ("Lender"), you may qualify for a refinance loan ("refi") with Lender through the 5-year Rate Protection Pledge. Lender will cover the cost of the applicant’s appraisal up to $500. Applicants are responsible for any amount greater than $500. Applicant will be required to pay the cost of the appraisal report up front and will be provided a $500 maximum credit for such cost at closing of the mortgage loan as a lender credit. 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 with a credit up to $1,629 maximum. Due to maximum seller concession rules applicable to purchase loan transactions, this discount could be less than $1,629 in some cases where other concessions have been made to the consumer. Please consult your loan officer with questions about these maximum seller concession rules. 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, this pledge is not eligible with a standalone 2^nd lien. Refi offer is available after 6 payments have been made on the original loan and until 5 years after the date of first payment on the original loan. Applicable on new applications only – not available for loans currently in process. Speak to a Loan Officer for more information. The 5 Year Rate Protection Pledge lender credits cannot be combined with any other promotions of incentives offered by NAF or its affiliates and partners.