Buy Now.
Refi Later.
& Save!

Don’t let today’s mortgage rates keep you from your dream home…

Buy Now
Refinance if Rates Drop*
  • Lock in your mortgage rate anytime between March 1, 2023 – October 31, 2023
  • Refinance at any time between 121 days to 36 months after your purchase closing date if rates drop
  • Save on your origination fee when you refinance*
  • All loans are serviced in house
  • Local lenders & decision makers

Curious about this program?

*Lock in your mortgage rate to purchase your home anytime between 3-1-23 and 10-31-23 and close that loan. Refinance loan must be secured by the same subject property as the purchase loan. Limited to one refinance discounted origination fee during the refinance time frame of 121 days to 36 months after purchase loan. Origination fee will be waived on refinance loan. All other applicable fees apply. Limited to first lien loans that qualify for our secondary market product. Loans subject to underwriting guidelines and approval at the time of both applications. Refinancing may cause finance charges to be higher over the life of the loan.

“I’ve been a customer for literally decades and it’s been a delight to work with the same friendly faces over the years and to meet great new additions to their team. I always leave with a smile on my face and peace of mind knowing that I’m in good hands”

– John G. • St. Peter, MN

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HomeTown Bank