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Secure Refi Credit Program

Tan brick house with a long driveway and yard surrounding the house

Buy Now and Refinance Later!

If rates drop, borrowers can then refinance to a lower rate and save on closing costs with a $1,025 lender credit.

  • Allows eligible borrowers to purchase a home at existing interest rates
  • Close the purchase loan with your Happy Mortgage Loan Originator from 7/1/2024 through 12/31/2024.
  • If rates go down, make a new application with Happy State Bank so you can lock in a lower rate and close on your refinance by 12/31/2025 to get a $1,025 Lender Credit.

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Our team members are available to help you Monday to Friday 7am - 7pm CT Saturday 8am - 2pm CT
Business woman sitting at desk while on the phone comparing rates