Rates always change—and that shouldn’t hold you back from buying your home now.
If you refinance with IHMVCU within 12 months of closing, we’ll waive some of the biggest fees*, helping you save right when you need it most.
Move Forward With Confidence
Purchase now. Refinance later. Pay less.
We’ll cover the fees—so you can focus on your home, not the what-ifs.
Apply now
What We Cover When You Refinance
Origination Fee — waived (a $675 value)*
Appraisal Fee — waived (a $150–$350 value)*
That’s money back in your pocket when it’s time to adjust your rate.
Why This Works for You
Buy now without worrying about future rates
If rates drop, you’re ready to act—without the upfront costs.Perfect for uncertain markets
Stress less about timing things perfectly.Confidence included
You’re protected, supported, and saving money along the way.
Not quite ready to apply? Check out our mortgage rates and find a mortgage loan officer.
