Refinance Smart: How LendFriend Rewards Your Loyalty with Rate Rebound

When you buy a home, you’re making one of the biggest financial decisions of your life. You’d think your lender would honor that trust with long-term loyalty. Unfortunately, most don’t. They happily take your business at purchase, then disappear—only to resurface when you’re ready to refinance, eager to collect another round of fees. No discounts. No loyalty perks. Just another chance to nickel-and-dime you.

At LendFriend, we think that model is broken. Buying your home is the start of a relationship, not the end of a transaction. That’s why we created Rate Rebound—a program designed to reward your loyalty. When rates drop, you shouldn’t have to pay thousands of dollars in lender fees just to refinance. With Rate Rebound, you won’t.

The Problem With “One-and-Done” Lenders

Here’s the reality: most lenders don’t care about repeat business. They don’t lower fees for returning customers. They don’t waive costs to recognize that you trusted them with your most important investment. Instead, they charge you all over again—application fees, underwriting fees, processing fees—without blinking.

For buyers in Texas, California, Virginia, Illinois, Colorado, and beyond, that’s thousands of dollars wasted every time rates shift. Nearly 80% of borrowers end up using a different lender on each transaction because they’ve learned the hard way that loyalty gets them nothing in return. The lender will be there waiting for your refinance, but not to give you a break—only to bill you again.

A Smarter Way Forward: LendFriend’s Rate Rebound

When you buy a house with a mortgage from LendFriend, your purchase loan automatically comes with built-in refinance savings. It's our way of saying thank you and welcome to the LendFriend Family - or LendFamily as we call it. Rate Rebound changes the game:

• No lender fees on your refinance. We waive them, every time. A savings of up to $1,500.

• No appraisal fee. We'll cover the cost of your refinance appraisal. A savings of $600-1000

• No credit reporting or tax cert fees. An additional savings of up to $500.

• Automatic eligibility. No sign-ups, no hidden catches—it’s included with every purchase.

• Respect for loyalty. When you come back to us, we recognize the relationship. You save money.

Think of Rate Rebound as your loyalty reward. Buy the home you love today, knowing you have an option for a low-cost refinance tomorrow.

Why Planning for Refinancing at Purchase Is Critical

Rates don’t stand still. The rate you close with today is rarely the rate you’ll carry for 30 years. Smart buyers choose a lender who will still treat them well when the next opportunity comes along. And with the Federal Reserve already signaling rate cuts ahead, everyone expects borrowing costs to come down—it might be in a month, it might be in two years. Either way, planning for that refinance now is what puts you in the best position to benefit later.

For example:

• A family in Austin bought at 7% in February 2024. When rates slid to the mid-5s in September 2024, Rate Rebound let them refinance with no lender fees, saving over $3,000 compared to a traditional lender.

• A couple in Los Angeles secured an asset depletion mortgage at 7%. A year later, they were able to move to a jumbo mortgage, cutting $1,000 a month from their payment. With Rate Rebound, they didn't have to worry about an appraisal or other fees that come with refinancing with other lenders.

• Another client in Connecticut closed on a Jumbo 7/1 ARM at 6.375% (the fixed rate option at the time was 6.75%). When fixed rates later fell to 5.99%, Rate Rebound allowed them to seamlessly refinance into the lower fixed rate—without paying lender fees, appraisal costs, or credit reporting charges. The result: predictable long-term savings and immediate monthly relief.

Most lenders leave you paying full freight again and again. We don’t.

The Cost of Not Planning Ahead

The average homeowner refinances multiple times over their ownership. At $2,500 to $4,000 in lender fees each time, those costs compound quickly. That’s money that could’ve gone toward renovations, tuition, or simply building financial stability. With LendFriend’s Rate Rebound, you keep that money where it belongs—in your pocket.

LendFriend’s Commitment: Loyalty Goes Both Ways

We believe loyalty should be honored, not exploited. Rate Rebound proves it. When you trust us with your purchase, we reward you when you come back to refinance. No gimmicks, no nickel-and-diming. Just real savings.

Other lenders talk about service. We show it by protecting your wallet—not draining it.

FAQs About Rate Rebound

What exactly is Rate Rebound?
It’s LendFriend’s built-in refinance benefit for clients who purchase a home before 12/31/25. Every purchase client automatically qualifies for waived lender fees on future refinances with us that fund before 12/31/2028.

Do I need to sign up for it?
No. If you closed your purchase with LendFriend Mortgage before 12/31/25, you’re covered.

How much can I save?
Most lenders charge $2,500–$4,000 in fees each refinance. With Rate Rebound, you avoid all of them.

What if rates don’t drop?
Then you don’t refinance. But if they do, you’re ready—without hesitation over costs.

Does Rate Rebound cover third-party costs?
It removes every fee we charge and some third-party fees like credit fees and appraisal costs. Standard third-party costs (like title insurance) still apply).

Can I use Rate Rebound more than once?
Yes. If you refinance multiple times, you continue to benefit every time.

The Bottom Line

Most lenders will gladly take your repeat business—but they’ll never reward your loyalty. They’ll charge you again and again, without acknowledging that you trusted them with your home in the first place.

LendFriend is different. With Rate Rebound, we make loyalty count. Buy smart today, and refinance smarter tomorrow—without paying the price twice.

Ready to buy? Schedule a call with me today or get in touch with me by completing this quick form.

This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Applicant must close on their purchase loan before 12/31/2025 and their refinancing loan(s) before 12/31/2028 to take advantage of the promotion. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only.