Borrower(s) must provide Refined Lending with loan application information to determine qualification.

*A preliminary approval is based on our preliminary review of credit information and not a commitment to lend. We will be able to offer a commitment upon verification of application information, satisfying all underwriting requirements and conditions, and providing an acceptable property, appraisal, and title report. Preliminary approvals are subject to change or cancellation is a requested loan no longer meets applicable regulatory requirements. Preliminary approvals are not available on all products. See Mortgage Banker for full details.

** Refined Team, Powered by Luminate Home Loans, will attempt to offer a comparable conventional or government backed loan product with a lower Annual Percentage Rate (APR). Jumbo and ARM loans not included in promotion. Please present your Loan Estimate or preliminary approval letter at the time of your request for your preliminary approval decision with Refined Lending division of Goldwater Bank N.A. If you have a current lock-in agreement, this is NOT an inducement to transfer your loan. This promotion may not be combine with any other offers, discounts, or promotions. Standard credit and collateral underwriting guidelines apply. Not all borrowers will qualify. This is not a commitment to lend. Refined Team powered by Luminate Home Loans, is required to comply with all applicable federal and state tax laws and regulations. Recipients should consult a tax professional for all questions concerning the tax implications of this program.