Buy now / Refi later

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Get the home you want with a benefit from Preferred Rate

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Buy with confidence
before 10/1/23

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Refinance your
home before 12/31/24

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Skip the lender fees
on your refi!

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How does Buy-Fi work?


Apply with PR or one of its branches/dba brands for the purchase of your new home


Close on that purchase home loan before 10/1/23


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


Refinance anytime before 12/31/24 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 or one of its branches/DBA brands. 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 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. Purchase must close and fund no later than 10/1/23; Refinance must close and fund no later than 12/31/24