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FreeFi

Are you trying to wait out high interest rates before buying your next home or taking advantage of your home value appreciation with a cash-out refinance?

With the radius FreeFi 5M Program, you can accomplish your goals at today's higher rates and refinance with us within the next three (3) years if rates come down without needing to pay qualifying closing costs again!

Program Description & Eligibility:

For any borrower(s) who closes on a purchase or cash-out refinance mortgage with radius financial group inc. ("radius"), radius will pay borrower(s)'s Qualifying Closing Costs (as defined below) on any refinance initiated by such borrower that closes within three (3) years from the original qualifying transaction, subject to the following terms and conditions:

• Qualifying Closing Costs are closing costs charged by radius, such as the origination and appraisal and credit reporting fees, plus the settlement fee charged by our closing attorney, but does not include any other third party fees such as any escrows, prepaid amounts (taxes, insurance, association fees, etc.), title insurance fees, recording fees and other fees charged by third parties.
• The borrower(s) on the subsequent transaction must be the same as on the original transaction;
• The borrower(s) must be "current" (meaning that all payments have been paid in full not later than when they were due) on the last six (6) months of mortgage payments on the original transaction;
• This program is only available for refinance transaction that occur within thirty-six (36) months from the closing date on the original qualifying transaction;
• The minimum eligible loan amount is two-hundred thousand dollars ($200,000); and
• This offer can't be combined with any other rebate, program or pricing concession.

Pre Approval Promise

TERMS, CONDITIONS + ELIGIBILITY: This radius Pre-Approval/Credit Commitment Promise Contract ("Promise") is made and entered into, as of the date of the last signature below, by and between radius financial group inc. ("radius" or "Lender"), and the below-named Buyer and Seller. In consideration of Seller's reliance on this
Promise in entering into a real estate purchase transaction with Buyer, the Parties agree as follows:

PROMISE TO SELLER: In the event that a Seller is induced to accept an offer from, and enter into a purchase and sale agreement with, a radius borrower on account of this Promise in connection either with (a) a radius Pre-Approval or (b) a radius Credit Commitment and the Buyer is unable to close on such Eligible Transaction due to a mistake made by radius (with accurate and up-to-date information) on such Pre Approval/Credit Commitment (a "Bad Pre-Approval"), then radius shall pay Seller ten thousand dollars ($10,000), subject to the terms and conditions herein as Seller's sole remedy.

PROMISE TO BUYER: In the event that radius issues a Bad Pre-Approval to Buyer on an Eligible Transaction, radius will reimburse Buyer reliance expenses up to one thousand dollars ($1,000) for a home inspection, appraisal, or legal expenses actually paid out-of-pocket by Buyer, subject to the terms and conditions herein. This payment shall be Buyer's sole remedy.

ELIGIBLE TRANSACTION: For purposes of this Promise, an "Eligible Transaction" is a purchase money mortgage transaction for a primary residence (made on or after April 1, 201 8) (not made to a radius employee or immediate family member), provided that the loan is a Conventional, USDA, VA, or FHA loan product for either (i) an existing home resale or (ii) a newly constructed home that is to be delivered and closed within ninety (90) days of the P&S.

CONDITIONS: The applicable radius Pre Approval must not have expired prior to the date of the P&S. Offers/P&Ss cancelled due to home inspection issues or title defects are not covered under this Promise, and this Promise is void if a Bad Pre¬Approval is the result of: (i) a change in Buyer's financial position, (ii) property specific requirements or expenses (e.g. homeowner's association dues/fees, flood insurance, or property taxes), or (iii) loan product availability or underwriting requirements, or third party actions outside of radius' control.

FUNDS DISBURSEMENT: Any funds due and payable under this Promise will be paid if requested by Buyer or Seller in writing within 90 days of the date of an applicable Adverse Action Notice and accompanied by a fully-executed copy of this Promise. Any payments made under this Promise will be reported to the Internal Revenue Service by radius on a Form 1099-MISC or as otherwise required by then-applicable law. Please consult your tax advisor for any tax implications.