Buy now / Refi later

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Get the home you want with a benefit from Preferred Rate

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Buy today with confidence

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Refinance your
home before 6/30/25

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Skip the lender fees
on your refi!

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How does Buy-Fi work?


Apply with Preferred Rate for the purchase of your new home


Close on that purchase home loan before 06/30/24


We’ll watch interest rates and when they drop, we’ve got you covered


Refinance anytime before 6/30/25 and we’ll waive your lender fees

Conditions and restrictions apply.  Lender fees include administrative, application, commitment, technology, processing, and underwriting fees. All other fees apply. Excludes broker, reverse and home equity loans. Refinance must be completed with Preferred Rate – Partnered with American Pacific Mortgage. Refinance must meet agency and investor guidelines. Limited to the initial refinance of the qualified loan (rate and term refi only).
By refinancing your existing loan, your total finance charges may be higher over the life of the loan. Terms and conditions are subject to change without notice. Subject to credit approval. This is not a commitment to lend. Cannot be combined with any other offer. Limited to the states Preferred Rate – Partnered with American Pacific Mortgage is eligible to conduct business. To be eligible to qualify, the borrower will be required to provide a complete application, submit requested documentation, and have their credit pulled. Refinance must close and fund no later than 06/30/25.