"BUY Today, REFINANCE Tomorrow at NO COST"

No-Cost Refinancing Protection When Rates Drop

We know interest rates always go down, and when they do, we will refinance your home at no cost! Eliminate the fear of being stuck at higher rates after purchase.

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No-cost refinancing when interest rates decrease
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Available in NMHL Licensed States only
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Primary residence, fixed-rate transactions
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Cannot be combined with other closing cost programs
RefiSHIELD - The Ultimate Refinancing Protection

RefiSHIELD Program Benefits

Buy your home today without the fear of being stuck at higher interest rates. When rates drop, we'll refinance at no cost to you.

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No-Cost Refinancing

NMHL issues a lender credit at closing equal to the closing cost amount when you refinance at lower rates.

$0 Closing Costs
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Primary Residence Only

Available for primary single-family residence, fixed-rate refinance transactions with loan amounts above $250,000.

$250K+ Loans
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Credit & LTV Requirements

Available for borrowers with credit scores 740+ and LTV at/below 80%. First mortgage must have LTV below 65%.

740+ Credit Score
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NMHL Licensed States

Available exclusively in states where NMHL is licensed to operate. Subject to borrower qualification requirements.

Licensed States Only
⚠️ IMPORTANT PROGRAM LIMITATIONS

RefiSHIELD Exclusions & Requirements

RefiSHIELD cannot be combined with other closing cost programs. Review all eligibility requirements below.

$0
Refinance Closing Costs
740+
Credit Score Required
80%
Max LTV
$250K+
Minimum Loan Amount
⚠️ Cannot be combined with other closing cost assistance programs

Borrowers receiving cash out at closing or paying off other debt may be ineligible. Additional terms and conditions apply. Specific charges always remain borrower expense.

How Refi-Shield Works

1

Purchase Your Home

Buy your primary residence with RefiSHIELD protection included

2

Rates Drop

When interest rates decrease, you become eligible for no-cost refinancing

3

NMHL Covers Costs

We issue a lender credit equal to your closing costs at refinance

4

Enjoy Lower Payments

Complete your no-cost refinance and enjoy reduced monthly payments