At Flat Branch Home Loans, we’re committed to making 2026 the best year yet for homeowners. We know that high interest rates can feel like a monthly budget breaker, and that uncertainty about rate changes often leaves borrowers wondering whether to act now or wait. That’s why we’re excited to announce the launch of our Refinance Guarantee program, designed to give you confidence and flexibility in today’s market.

What Is Refinance Guarantee?

If you’ve been waiting to refinance because you’re hoping rates will drop, this program is for you. Here’s how it works:

Refinance now with a discount of your choice, either a lower rate or lower fees.

If rates drop again in the future, we’ll refinance you again with no origination fees. That’s right: your next refinance will be on us.

This means you can take advantage of today’s rates without worrying about missing out later. It’s a win-win for your monthly budget and your peace of mind.

What Costs Are Covered?

When you refinance now with Refinance Guarantee, you’ll receive an initial discount, which you can use to choose a lower rate or lower origination fees. If rates drop again and you choose to refinance, we’ll waive all origination fees on that future transaction.

Why Refinance Now?

Every month, high interest eats into your budget. Refinancing now can lower your monthly payment, freeing up cash for savings, investments, or everyday expenses. And with Refinance Guarantee, you don’t have to gamble on future mortgage rates, we’ve got your back if rates drop again.

Which Loans Qualify?

Most loan programs are eligible, excluding Jumbo loans.

You do not need to be a previous Flat Branch client to participate.

Standard loan eligibility criteria apply.

Program Timeline and Requirements

Refinance now through March 31, 2026 to be eligible.

If rates drop again after you refinance, Refinance Guarantee coverage lasts until September 30, 2027.

You must make six consecutive payments on your current loan to qualify for the future refinance benefit.

Why This Matters: How Interest Rates Impact Your Monthly Payment

Interest rates aren’t just numbers, they directly affect your monthly mortgage payment. Here’s why:

Higher rates = higher monthly payments. Even a 1% difference in interest could add hundreds of dollars to your payment.

Lower rates = more room in your budget. Reducing your rate means more money stays in your pocket each month.

For example, on a $250,000 home loan, dropping your mortgage rate from 8% to 6% could save you around $335 per month. Over a year, that’s more than $4,000 a year back in your budget.

How Refinancing Helps Your Bottom Line

Refinancing replaces your existing mortgage with a new one, usually at a lower interest rate or with better terms. The benefits include:

Lower monthly payments: The most immediate impact for homeowners.

Reduced total interest paid: Over the life of the loan term, you could save thousands.

Opportunity to shorten your term: Pay off your home faster and build equity sooner.

Access to cash out refinance options: Use equity for home improvements, debt consolidation, or other financial goals.

Is It the Right Time for You to Refinance?

Here are a few considerations:

Current interest rate vs. market rate: If today’s rates are lower than what you purchased your home at, refinancing could help lower your monthly mortgage payment.

How long you plan to stay in your home: If you’ll be in your current home for more than a couple years, refinancing could significantly impact how much you pay over the life of your loan.

Your financial goals: Lower payments, faster payoff, or cash-out, no matter what matters most to you, ask yourself, “How could this impact my financial goals?”

With Refinance Guarantee, you don’t have to wait for the “perfect” rate. You can act now, improve your monthly bottom line, and rest easy knowing we’ll refinance you again with no origination fees if rates drop later.

Ready to Take the Next Step?

At Flat Branch, we believe in making homeownership simpler, smarter, and more affordable. The Refinance Guarantee program is just one more way we’re delivering on that promise.

If you’re wondering whether this program is right for you, or if you’d just like to run the numbers, our expert loan officers are ready to help. We have over 90 locations throughout the country, ready to help borrowers in-person or online.

Refinance now through March 31, 2026, and lock in peace of mind for the future.
https://flatbranchhomeloans.com/team or contact us at 866-508-4326.

Key Takeaways

Refinance now with a discount and lower your monthly payment.

If rates drop later, we’ll refinance you again with no origination fees.

Program runs through March 31, 2026; guarantee valid until September 30, 2027.

Available for most loan programs, even if you’re not a previous Flat Branch client.

About Flat Branch Home Loans

Flat Branch Home Loans, a division of Flat Branch Mortgage Inc., is a residential mortgage lender dedicated to serving more families in more communities. With over 90 locations, we are licensed in 40 states and proud to have earned more than 30,000 5-star reviews from real homeowners. Our mission is simple: make homeownership accessible, affordable, and stress-free through personalized service, local expertise, and innovative programs. Whether you’re buying, refinancing, or exploring your options, we’re a lender who cares and is here to help you achieve your homeownership goals.

Refinance now through March 31, 2026 to be eligible for Refinance Guarantee. Discount point of .5 can be used to buy down the interest rate or applied as a lender credit. Refinance Guarantee expires September 30, 2027. Must make six consecutive payments to be eligible for Refinance Guarantee. Loan eligibility criteria still applies. Refinance Guarantee does not apply to jumbo loans.

Conforming Loan Limits for 2022

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