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Rate Protection Guarantee

Never worry about the perfect timing ever again

Refinance without closing fees and benefit from the lowest rates available.
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Benefits of Lifetime Rate
Protection Guarantee

Perfect timing
Remove the guess work and know exactly when is the best time to refinance with our exclusive Rate Protection Guarantee.
Zero costs
Our guarantee means a no-cost refinance for you. If rates shall fall we have you covered.
Rate monitoring
We'll keep you in the know and send you alerts, so you can make the most of your guarantee.

How it works

1
Get your digital Rate Protection Guarantee certificate.
2
We will notify you once the rates drop and calculate your guaranteed rate.
3
Immediately benefit from a no-deposit, no-fees, and no-cost refinance.

How to qualify

  • Supply your signed Rate Protection Guarantee Certificate from your previous loan
  • Be 180 days past your previous loan funding date
  • Qualify for a refinance based on Fannie Mae conforming loan limit guidelines
  • Have a loan amount equal to or greater than $125k
  • Subject property must be deemed owner occupied
Lifetime Rate Protection Guarantee Terms
The interest rate for the Lifetime Rate Protection Guarantee is calculated by taking the rate on the current Fannie Mae 30 year 30-day required net yield (RNY) rounded up to the nearest eight of a percent (.125%), at the time of lock, plus (+) a margin based on the loan amount (please see below). The current Fannie Mae 30 year 30-day RNY can be found by visiting www.fanniemae.com.
Loan Amount of New Mortgage 
$0 - $124,999 
$125,000 - $199,999
$200,000 - $299,999 
$300,000 - Conforming Loan Limit
Margin 
Not Applicable (N/A)
 +2.5% (two and one-half percent)
 +1.75% (one and three-quarter percent)
 +1.5% (one and one-half percent)
Example:
If the 30 Year 30-day RNY is at 2% and the new mortgage amount is $350,000 then the Rate Protection Guarantee rate would be 3.5% (2% (RNY) + 1.5% (margin) = 3.5% Rate Protection Guarantee Rate). This is for example purposes only; the actual RNY can be more or less at the time of lock. The current Fannie Mae 30 year 30-day RNY can be found by visiting www.fanniemae.com.
Disclosure: 
The Lifetime Rate Protection Guarantee will be treated as a mortgage loan refinance transaction and must meet current underwriting guidelines. Not all loans will be approved. The loan will be locked for a 30 day period and may be subjected to lock extension costs or re-pricing. All final rate calculations can be sent to you in writing. Optimum First Inc. reserves the right to amend the terms of this guarantee at any time.