No Lender Closing Cost (Future) Refinance Promotion!

Marry your home! Date your mortgage. :-)

Take advantage of this program to close today with confidence!

Johannsen Group Mortgage (Powered by Edge Home Finance) is offering a promotion for borrowers ^locking a new loan after 4/1/2023 and before 10/31/2023, closing by 12/31/2023.

  • Save up to $2,000 in qualified lender fees* on the FUTURE refinance** of your property through Johannsen Group Mortgage (Powered by Edge Home Finance)

  • Future Refinance must be locked by 12/31/2024 (close by 6/30/2025) and promotion only applies to the original subject property

No cash is required at closing for the future refinance** (so long as you qualify for the loan):

  • All fees may be rolled into the future refinance

  • You have the choice whether or not you want to roll fees into the future refinance!

  • We always disclose all closing costs clearly and are happy to go through them in detail!

  • All mortgage loans have costs associated with them, and should be thoroughly understood well before closing

^Program Requirements

  • Purchase or refinance transactions

  • Must be locked after 4/1/2023 and before 10/31/2023 and close by or before 12/31/2023

  • Primary, second and investment properties

  • Conventional, FHA, VA and USDA financing eligible

  • Future refinance must be same subject property as original purchase/refinance transaction

  • Future refinance must be locked by 12/31/2024 and closed by 6/30/2025

  • Must qualify for each transaction separately (initial purchase/refinance and future refinance** are separate applications and transactions)

  • $2,000 maximum reduction in qualified lender fees applied to Underwriting or Processing fees only.

  • *Qualified Lender Fees include: Processing & Underwriting fees

    • Discount points (cost of getting different rates) not included

**Future Refinance Requirements & Details

  • We cannot refinance your mortgage for at least 6 months after you close on your initial purchase/refinance

  • You will still need to qualify for the refinance mortgage at the time you wish to refinance, filling out an entire mortgage application, submitting documents, and qualifying based on income, debts, assets and other potential criteria (depending on your loan program)

You can refinance** your mortgage at a lower cost (any of the following apply):

  • If/when rates drop,

  • If your financing situation improves (allowing you to get a better rate or term on your mortgage),

    • Improved credit

    • Improved income

    • A decrease in your debt balances

    • You are able to/want to add an additional co-borrower to your mortgage

    • You want to remove a borrower from your mortgage

  • If you feel that the terms are better than your original mortgage

Questions: Contact us for more info

Ready to get your application going now?