All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.

¹Restrictions apply. If you apply for a purchase loan for a first mortgage between September 16, 2024 and March 31, 2025, you will be eligible to receive a non-recurring closing cost credit of up to $1,500 when you refinance your loan with us at a later date. To be eligible for the credit, you must apply to refinance your original first mortgage purchase loan no sooner than four months after your initial loan closing date and no later than 12 months after the one-year anniversary of your initial loan closing date. The credit will not be given as cash back and may not exceed the actual closing costs of your refinance loan. Eligible applications must include a physical property address. Eligible loans may not include any other promotional offer or non-standard terms or pricing. The closing costs credit is not transferable. The promotional credit for the refinance may not be combined with the Golden 1 Employee Home Loan Discount Program or any other programs that have a feature that provides a closing cost credit.

²A first-time homebuyer is defined as someone who has not owned and occupied their home in the last three years, and who has not lived in a home owned by a spouse in the past three years. Additional restrictions depend on program chosen.