Stop waiting for the “perfect” rate. Lock in your dream home today, and if rates drop within 12 months, we’ll refinance you with zero lender origination fees. Third-party costs still apply.* See today's rates or pair this with our Price Match Guarantee.
$0
Lender Fees on Refi
12 mo
Rate Watch Window
0.25%+
Min Rate Drop
How It Works
Don't wait for the "perfect" rate. Buy the home you love now with today's best available rate. We lock you in and get you to the closing table fast.
For 12 months after closing, our rate desk actively monitors the market. When rates drop at least 0.25% below your current rate, we'll reach out to you directly.
When the time is right, we refinance your loan with absolutely zero lender origination fees. You only pay third-party costs (appraisal, title, etc.). That's it.
Why This Matters
Other lenders make you wait for a full 1% rate drop, bury the guarantee in conditions, or charge hidden fees. Our Rate Drop Guarantee is clear, simple, and genuinely valuable. Run the math in our refinance break-even calculator or read up on discount points explained.
We waive our entire origination fee on the refinance — potentially saving you thousands depending on loan size. Standard third-party costs (appraisal, title, recording) still apply.
Our rate desk monitors the market daily for a full year. You get a personal alert when the numbers make sense for a refi.
We trigger the guarantee at just 0.25% below your original rate. Other lenders require a full 1% drop, making the guarantee nearly useless.
If rates don't drop, or you decide not to refinance, there's zero penalty. The guarantee costs you nothing to carry.
“Bought my home in October, and when rates dropped in March, STX refinanced me with zero lender fees. The process was seamless and the monthly savings are significant.”
— Sarah M., Austin, TX
Not all rate drop guarantees are created equal. See how STX compares.
Lock in your home now. If rates drop, you win. If they don’t, you’ve already got the home. Pair this with a rate-and-term refinance when the moment comes, or check whether a VA streamline refinance fits.
Rate Drop Guarantee Terms:Available on purchase transactions originated by Neighborhood Loans, Inc. (dba STX Lending) NMLS #222982. Rate drop must be at least 0.25% below the original note rate. Refinance must be initiated within 12 months of original closing date. Waived fees include lender origination, processing, and underwriting fees. Third-party fees (appraisal, title, recording, taxes) are the borrower’s responsibility. Texas cash-out refinances are subject to Texas Constitution Article XVI, Section 50(a)(6) restrictions, including a maximum 80% combined loan-to-value ratio. Subject to credit approval and standard underwriting guidelines. Cannot be combined with any other refinance fee waivers. Minimum loan amount $150,000. This is not a commitment to lend. Equal Housing Lender. Programs, rates, terms, and conditions subject to change without notice.