Buy Now.
Refi Later
For Free.

The Rate Drop Refi™ is Von Mortgage's exclusive promise to our purchase clients: if you buy your home with us and rates fall, we'll cover the lender fees when you refinance—up to $4,500 in closing cost credit.

That means no appraisal fee, no credit report fee, no processing or underwriting fees (for conventional loans)—paid by Von Mortgage, not you.

We cover all standard lender fees as a lender-paid credit, up to $4,500. Here's what that means in plain terms:

• You pay $0 in origination, processing, or underwriting fees
• The first appraisal is covered; additional appraisals (if required) are not
• Third-party fees above the $4,500 cap—if any—are the borrower's responsibility

For the vast majority of refinances, the lender-paid credit fully offsets the standard closing costs. Your Von Mortgage advisor will confirm the exact figures before you proceed.

The following are covered as a lender-paid credit:

• First appraisal fee
• Credit report
• Tax certification
• Mortgage recording fee
• Flood certification & life-of-loan coverage
• Notary fees
• Processing & underwriting fees (conventional loans only)

Maximum credit: $4,500.

Your refinance rate lock must occur between 120 days and 36 months from your original purchase closing date. The new loan must also fund after the early payoff date on your purchase loan has passed (roughly 6 months after close— ask us for the exact date on your loan).

Yes. Eligible clients may use the benefit as many times as they qualify, as long as each new refinance funds after the early payoff date on the prior loan. Rates can fall more than once—you shouldn't have to pay to take advantage of that more than once either.

We'll monitor rates with you. When rates fall meaningfully, your Von Mortgage advisor will run a full break-even analysis: how much you save per month, what the new payment looks like, and whether the timing makes sense for your goals. There's no pressure— we'll only recommend a refinance when the math genuinely works in your favor.

You qualify if you meet all of the following:

• Purchased your primary residence through Von Mortgage
• Closing date between October 24, 2022 – December 31, 2026
• Refinance is on the same property as the original purchase
• Rate lock falls within 120 days to 36 months of purchase close
• Refinance loan amount of at least $250,000
• Loan approval per full underwriting guidelines

No. The Rate Drop Refi™ is available for primary residences only. Investment properties and second homes are not eligible.

Most standard loan types qualify, including conventional loans. The following specialty programs may have additional approval criteria that affect eligibility:

• Down Payment Assistance (DPA) mortgages
• Non-Qualified Mortgages (Non-QM)
• Brokered/Wholesale Mortgages
• Bridge Loans

Not available for Oregon State consumers.

Waiting for the "perfect" rate often costs more than it saves. Here's why:

• When rates fall, more buyers enter the market and home prices typically rise
• Buying now locks in today's purchase price—often the bigger lever on long-term wealth
• The Rate Drop Refi™ eliminates the cost barrier to refinancing later

The strategy of "buy now, refinance when rates drop" is well-supported by economic research—and our program is designed to make it as painless as possible.

Von Mortgage is headquartered in Redding, California and serves clients throughout Shasta County and across California, including Redding, Anderson, Shasta Lake, Cottonwood, Red Bluff, and surrounding Northern California communities.

Call or text us at (530) 221-7700 or email Pete@VonMortgage.com to get started.

You have three easy options:

• Apply online: applywithpete.vonmortgage.com
• Get a quote: vonmortgage.com/quote
• Call or text Pete: (530) 221-7700

Pete and the team typically respond within one hour. The initial conversation is always free—no pressure, no obligation.