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FAST TRAC ELIGIBILITY AND ASSUMPTIONS: Offer based on a first lien, rate and term Fast Trac refinance fixed rate loan, on a 15-year, $300,000 minimum and up to $548,250 loan amounts. Rates effective as of 7/28/2021. Rates may change without notice. Fast Trac loan refinance loans also available on 10, 20, 25 & 30 year terms and other loan amounts including high balance up to maximum county limits. Property must be owner-occupied, 1-unit, single family residence, PUD or condominium. Second home and rental properties not allowed. Applicant must have a minimum 740 FICO score, be a W-2 wage earner, multiple property ownership not allowed. No subordinate financing and a maximum loan to value of 75%. Payment example: The payment on a $300,000, owner-occupied, 15-year fixed rate refinance loan at 2.00% (2.00% APR) is $1,932.00 with zero points due at closing and a loan-to-value (LTV) of 75% and a 740 FICO score. Payment does not include property taxes, hazard insurance and mortgage insurance premiums. The actual payment will be greater. If these assumptions are not met, you may still qualify for other loan products where rates/terms will differ. Restrictions apply and not all applicants will qualify and are subject to underwriting approval. Minimum and maximum loan amounts apply. This is not a commitment to lend. Choosing a no closing cost loan option may affect the loan interest rate. Not all third party expenses may be covered. Prior lender fees such as any payoff fees imposed by an existing lender will not be covered. Loan must close and fund in order to be eligible for the no closing cost loan option. No fees will be refunded for loans which are declined, withdrawn or canceled and for which third party services have been provided, such as an appraisal fee. Loans are subject to borrower qualifications and product guidelines and are subject to change without notice. Products and services are not available to residents of states in which Lenox is not licensed. Lenox customers with loans currently in process or which have closed a loan within the last six (6) months are not eligible.

FAST TRAC ELIGIBILITY AND ASSUMPTIONS: Offer based on a first lien, rate and term Fast Trac refinance fixed rate loan, on a 30-year, $300,000 minimum and up to $548,250 loan amounts. Rates effective as of 7/28/2021. Rates may change without notice. Fast Trac loan refinance loans also available on 10, 15, 20 & 25 year terms and other loan amounts including high balance up to maximum county limits. Property must be owner-occupied, 1-unit, single family residence, PUD or condominium. Second home and rental properties not allowed. Applicant must have a minimum 740 FICO score, be a W-2 wage earner, multiple property ownership not allowed. No subordinate financing and a maximum loan to value of 60%. Payment example: The payment on a $300,000, owner-occupied, 30-year fixed rate refinance loan at 2.625% (2.625% APR) is $1,206.00 with zero points due at closing and a loan-to-value (LTV) of 60% and a 740 FICO score. Payment does not include property taxes, hazard insurance and mortgage insurance premiums. The actual payment will be greater. If these assumptions are not met, you may still qualify for other loan products where rates/terms will differ. Restrictions apply and not all applicants will qualify and are subject to underwriting approval. Minimum and maximum loan amounts apply. This is not a commitment to lend. Choosing a no closing cost loan option may affect the loan interest rate. Not all third party expenses may be covered. Prior lender fees such as any payoff fees imposed by an existing lender will not be covered. Loan must close and fund in order to be eligible for the no closing cost loan option. No fees will be refunded for loans which are declined, withdrawn or canceled and for which third party services have been provided, such as an appraisal fee. Loans are subject to borrower qualifications and product guidelines and are subject to change without notice. Products and services are not available to residents of states in which Lenox is not licensed. Lenox customers with loans currently in process or which have closed a loan within the last six (6) months are not eligible.