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*If rates change after you obtain a loan through New American Funding ("Lender"), you may qualify for a refinance loan ("refi") with Lender through the 5-year Rate Protection Pledge. Refi approval subject to borrower and property qualifications, not all applicants will qualify. Applicable on new applications only – not available for loans currently in process. Visit newamericanfunding.com/5year for full terms and conditions and lock date requirements.