Rate Protection GuaranteeBuy today.
Buy today.
Refinance later —
on us.
Lock in your rate now and we'll watch the market for you. When rates fall, we'll alert you and refinance without the deposit.
Why it matters
Timing the market is exhausting. We'll handle it.
01
Perfect Timing
Take the guesswork out. Know exactly when to refinance with our exclusive rate protection.
02
Real Savings
When rates fall, refinance with a reduced monthly payment — no deposit required to redeem.
03
Proactive Monitoring
We watch the market so you don't have to. Expect alerts the moment rates drop enough to save you money.
How it works
Three steps. No paperwork.
01
Claim your certificate
Claim your Rate Protection Guarantee certificate online when you close.
02
We watch the market
We'll notify you the moment rates drop and calculate your new guaranteed rate.
03
Refinance & save
Refinance at a lower rate with no deposit required.
Eligibility
How to qualify
- Provide your signed Rate Protection Guarantee Certificate from your previous loan
- Be at least 180 days past the funding date of your previous loan
- Meet standard refinance qualifications under current Fannie Mae conforming loan limits
- Loan amount over $200,000 and credit score of 700 or higher
- Owner-occupied property
Additional terms and conditions may apply. For full program details, contact us at nathan@fulcrumhomeloans.com.