The LoanVerify Refinance Promise™ – If mortgage rates decrease after closing a LoanVerify loan, we will work with clients in good standing who contact us to help them pursue available refinancing options. As with all of our loans, we believe in ZERO lender fees, so we do not charge you underwriting, processing, or similar fees. While we can’t guarantee that all clients will qualify at the time of any refinance request, the LoanVerify Refi-Promise confirms that we will be available to help if a refinance is appropriate. Credit approvals for refinance transactions include specific credit, income, and asset qualifications for the type of loan program applied. VA & FHA loans have mandatory waiting periods before a refinance can occur (typically 6 months).