^*ELIGIBILITY: 1) Client must first purchase their home with Dream Big Ownership LLC DBA Von Mortgage with a closing date occurring between 10/24/2022 and 12/31/2026 in order to be eligible for the Rate Drop program. 2) Eligible for primary residences only. 3) Refinance offer must be claimed by locking the initial rate between 120 days and 36 months from the purchase closing date. 4) Refinance loan must be on the same subject property as the original purchase loan. 5) Dream Big Ownership LLC DBA Von Mortgage will cover the following fees as a lender-paid credit: first appraisal fees only (if additional appraisals are needed, that cost will be covered by the client), credit report, tax certification, mortgage recording fee, flood certification and life of loan, notary fees, and if a conventional loan, processing and underwriting fees. 6) Eligibility subject to loan approval. Please note that "specialty" loan programs including but not limited to Down Payment Assistance (DPA) mortgages, Non-Qualified Mortgages (Non-QM), Brokered/Wholesale Mortgages, and Bridge Loans may have additional loan approval criteria that impact offer eligibility and availability. 7) Refinance must have a minimum loan amount of $250,000. 8) Maximum closing costs credit limited to $4,500.

This offer cannot be combined with any other promotional offers or discounts offered by Dream Big Ownership LLC DBA Von Mortgage. No cash value. Offer void if loan application doesn’t close. Client may utilize this offer as many times as desired within a few months of purchase, so long as the new loan funds after the early payoff date has passed (around 6 months after close - please inquire with Dream Big Ownership LLC DBA Von Mortgage for the exact date on your loan). This offer is subject to changes or cancellation at any time at the sole discretion of Dream Big Ownership LLC DBA Von Mortgage. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Questions about this offer? Contact Dream Big Ownership LLC DBA Von Mortgage at (530) 221-7700, email Pete@VonMortgage.com, or visit vonmortgage.com/quote. Offer not available for Oregon State consumers.