FOR OUR PURCHASE CLIENTS
Marry the House, Date the Rate. We Just Made That Easier.
Buy the home you love now. If rates improve within three years, your refinance fees are on us.
Reviewed by Susan Pryor, Licensed Mortgage Loan Originator, NMLS #157369 — Updated August 2026
Last updated: August 2026
Key Takeaways
Nobody can promise you where rates go next. What we can promise: if they improve, you won’t pay our fees to take advantage of it.
This is our way of saying thank you for trusting our team — and giving you peace of mind that you won’t miss out if the market shifts in your favor.
How it works
1 — Write your purchase contract using both of us. Our team as your lender, and Perrie & Associates (770-579-2700) as your closing attorney. Ask your agent to request Perrie & Associates in the purchase contract when you make your offer — that’s what makes you eligible.
2 — Close on your home. Same process as always: pre-underwritten, six rate options, no surprises.
3 — If a refinance makes sense within 3 years, the fees are on us. When you refinance with us, we waive:
What’s covered — and what’s your choice
We keep this simple and honest. The waiver covers our lender fees and the attorney closing fee. Other third-party costs — like the appraisal, title search, and prepaid taxes and insurance — can still apply on a refinance, the same as on any loan. And as with every loan we do, you’ll see six rate options: if you choose to pay discount points to buy your rate down further, that’s your choice and your cost. We’ll put the exact numbers side by side before you decide anything.
Why this matters
Buyers hesitate because of today’s rates. This takes the sting out of the decision: buy the home that fits your life now, and if rates improve, you’re positioned to lower your payment without paying our fees to do it. We’ll run the numbers with you when the time comes — and if a refinance doesn’t make sense, we’ll tell you that too.
Common Questions
Do I have to refinance?
No. This is an option, not an obligation. If rates improve and the math works for you, the fee waiver is waiting. If they don't, you've lost nothing.
What exactly is waived?
Two things on the refinance: our lender fees and Perrie & Associates' attorney closing fee. Other third-party costs — appraisal, title search, prepaid taxes and insurance — can still apply, and any discount points you choose to buy your rate down are your choice and your cost. We show you every number before you commit.
How long does the offer last?
Three years from your purchase closing.
What do I have to do to qualify?
Two things at purchase: finance with our team, and name Perrie & Associates as your closing attorney in the purchase contract. Then close using both.
Who is Perrie & Associates?
A Georgia real estate closing firm we've worked with and trust. You can reach them at 770-579-2700.
No pressure. Just answers.
About Southern Mortgage Authority — Susan Pryor, Branch Manager | Licensed Mortgage Loan Originator, NMLS #157369, has served 6,000+ clients over 25 years. Based in Marietta, GA and licensed in 13 states. Call 678-712-2063 or send us a message.
Offer terms subject to change; eligibility requirements apply. Not a commitment to lend. All loans subject to credit approval.