Customer for Life Guarantee
We’ll waive all lender fees when you return for an eligible refinance of your home.*
*Certificate required. A 6-calendar-month waiting period and other eligibility requirements apply. Discount points and other closing costs are not covered by the lender-fee waiver. Full terms.
Your mortgage needs can change over time. Whether you want to explore a different rate, adjust your loan term, or revisit your financing goals, lender fees can add to the cost of refinancing.
Our Customer for Life Guarantee gives you a reason to come back. After you finance your home with us and receive a Customer for Life Guarantee certificate, we’ll waive our lender fees on a future refinance that meets the program requirements.*
Eligible Home Equity Line of Credit (HELOC) borrowers can also receive a closing-cost waiver of up to half a point when refinancing under the HELOC provisions below.*
We want to be your first call for your next refinance. Speak with us about your current loan, your goals, and how your Customer for Life Guarantee may apply.
Guarantee Terms & Conditions
* Customer for Life Guarantee (“Guarantee”)
Offered by USAloans, Inc. (“USAloans,” “we,” or “us”).
01Basic Eligibility
Subject to the conditions and direct-contact requirements below, the Guarantee applies to refinancing an outstanding loan originated by USAloans that is secured by the same property for which that borrower previously received both a loan from us and a Customer for Life Guarantee certificate. If the borrower received a HELOC from us, the Guarantee also applies to refinancing a mortgage loan secured by the same property for which the borrower received both that HELOC and a Customer for Life Guarantee certificate. A certificate is required; a previous loan by itself does not establish eligibility.
02Future Loans Not Covered by the Guarantee
The Guarantee is non-transferable. It does not cover loans to purchase a new property; new loans creating a separate lien on the current property, including a new home equity loan or HELOC; renovation loans; bond loan programs; or down payment assistance programs. Loans applied for through third parties, including lending marketplaces and lead-generation websites, or originated through wholesale or correspondent channels are excluded. The application must be submitted directly to USAloans. Applying indirectly through a third party makes the transaction ineligible.
03Other Terms and Conditions
The Guarantee cannot be redeemed within 6 calendar months of the Date Issued on the certificate. Redemption in whole or in part is subject to applicable federal or state law and investor or guarantor restrictions on refinancing the existing loan. We cannot guarantee approval of a future loan, a future interest rate, a lower payment, savings, or the future appraised value of the home. Future qualification is subject to the loan program terms, underwriting requirements, and conditions available at the time of application. Availability is limited to states where we are appropriately licensed.
04Guarantee Scope
For an eligible future refinance that meets the requirements above and successfully closes, no lender fee will be charged. “Lender fee” does not include discount points associated with the transaction. Other closing costs, including third-party charges, government fees, prepaid items, and escrow deposits, are not waived by the lender-fee benefit.
Eligible borrowers with a HELOC originated by us may receive a closing-cost waiver of up to half a point (0.50% of the new mortgage loan amount) when either (i) refinancing their existing HELOC with us into an eligible new mortgage with us, or (ii) refinancing with us the existing first-lien mortgage on the same property that also secures the borrower’s existing HELOC with us. The HELOC closing-cost benefit is limited to actual eligible closing costs and has no cash value. Costs exceeding the applicable waiver and any charges not covered by the Guarantee remain the borrower’s responsibility. Review your Loan Estimate and Closing Disclosure for the actual charges and applicable benefit.
05Notice
Terms and conditions are subject to change without notice, subject to applicable law and the controlling terms of any issued certificate. The Guarantee is not a commitment to lend. Refinancing may extend the repayment period or increase total interest costs; compare the full transaction costs before deciding.
06Redemption
Future applicants must contact us directly through usaloans.com/customer-for-life-guarantee/, using the direct application or phone options on this page, or call (888) 505-0077 to request the Guarantee. Identify your certificate when contacting us. An application submitted indirectly through a third party is ineligible.
*Certificate and eligibility requirements apply, including a 6-calendar-month waiting period. A lender-fee waiver does not eliminate all closing costs. Review the Guarantee terms above.