{"id":6428,"date":"2024-09-06T13:21:12","date_gmt":"2024-09-06T17:21:12","guid":{"rendered":"https:\/\/mortgageequitypartners.com\/sc-charleston\/?p=6428"},"modified":"2024-09-06T15:33:37","modified_gmt":"2024-09-06T19:33:37","slug":"meps-rate-protection-program-is-a-win-win-for-borrowers","status":"publish","type":"post","link":"https:\/\/mortgageequitypartners.com\/sc-charleston\/meps-rate-protection-program-is-a-win-win-for-borrowers\/","title":{"rendered":"MEP\u2019s Rate Protection Program is a win-win for borrowers!"},"content":{"rendered":"<div class=\"gca-column one-half first\"><h2>Is it time to buy that new home? You have been on the sidelines for too long!<\/h2>\n<p>South Carolina homebuyers who have been on the sidelines about whether to enter the market or stay put are getting excited about mortgage interest rates coming down. If you are still renting, looking to move into a larger home, or downsize to a smaller house, keep in mind you cannot time the market, and a home should be a long-term investment.<\/p>\n<p>Don\u2019t wait to achieve your goals. You can marry the house and date the rate\u2014or, if you find the right place, buy now and refinance later.<\/p>\n<p>To make the proposition easier, MEP offers the Rate Protection Program (RPP), which can help you buy now. If the current mortgage rates go even lower, you can refinance later using our fast-track refinance program.<\/p><\/div><div class=\"gca-column one-half\"><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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Home values are predicted to continue to appreciate. The prices you see today are going to continue to rise. Don\u2019t you want to realize that appreciation for yourself?<\/p>\n<p>MEP\u2019s Rate Protection Program (RPP) allows you to get off the sidelines and buy the new home you have been dreaming about. If the rates drop, no problem. MEP will provide a fast-track refinance with a $2,000.00 closing cost credit. The RPP is an excellent solution to save a lot of money on closing costs if rates drop and you decide to refinance your new home and save money on your monthly mortgage payments.<\/p>\n<h3>This is a limited-time offer, so get off the sidelines and make that move!<\/h3>\n<p>Here is how you can win in today\u2019s housing market:<\/p>\n<ol>\n<li>Consult with your <a href=\"https:\/\/mortgageequitypartners.com\/sc-charleston\/our-team\/\">MEP loan officer<\/a> about our loan process<\/li>\n<li>Get a fully underwritten pre-approval using our Cash Ready Plus Program to shop confidently for your new home<\/li>\n<li>Make your offer and find your new home. Receive your RPP refinance certificate<\/li>\n<li>If rates drop, refinance quickly, with significantly lower fees and an additional closing cost credit of $2,000.00<\/li>\n<li>After the borrower closes you will have up to 18 months to refinance with MEP<\/li>\n<\/ol>\n<p>It is a win-win-win situation for the South Carolina borrower. If rates go up after you purchase your new home with financing from Mortgage Equity Partners, you have locked in a lower rate. If rates stay the same, you are building equity. Finally, if rates drop, you can fast-track refinance your loan to a lower rate and use the $2,000.00 closing cost credit to absorb the refinance cost. You only need to wait six months but no longer than 18 months to do the refinance.<\/p>\n<p>Contact one of our <a href=\"https:\/\/mortgageequitypartners.com\/sc-charleston\/our-team\/\">knowledgeable loan officers<\/a> to learn all the details and get off the sidelines!<\/p>\n<div style=\"font-size: 85%;\"><em>The Fine Print: At the time of application on your property purchase, MEP will issue an RPP Certificate entitling you to a $2,000.00 closing cost credit to be applied to your new MEP refinance loan based on the following terms and conditions.<br \/>\nTo qualify for RPP, you must have: <\/em><\/p>\n<ol>\n<li><em>used MEP for your home loan when you purchased the property for which you are now refinancing and <\/em><\/li>\n<li><em>closed your refinance loan for the same property after six months but before 18 months using MEP as your lender and; <\/em><\/li>\n<li><em>you must be qualified for the refinance mortgage loan and meet all of MEP\u2019s underwriting standards (including those related to the subject property of the refinance) independent of your previous qualification when you purchased the property. <\/em><\/li>\n<\/ol>\n<p><em>This program is for rate and term refinance or cash-out refinance. RPP is not a commitment to lend. MEP reserves the right to cancel or modify this program at any time. The borrower must present a certificate issued by a Mortgage Equity Partners Loan Officer at the time of the refinance application. This program expires on 3\/31\/25.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Don\u2019t wait to achieve your homeowner goals. 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