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*Offer not valid for subordinate simultaneous closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018 with Lower and at least six (6) months prior to any subsequent applications. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details. Offer not valid at other locations other than 8621 Robert Fulton Drive Suite 150 Columbia, MD 21046 and NMLS Branch ID 1668557 | 8131 Smith’s Mill Road, New Albany, OH