The Dog Pack Family Refinance Program

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For our clients who've funded Conventional, FHA or VA loans with FidoFi, LLC from 01/01/2025 to present. You are apart of our Dog Pack now. 

The Dog Pack Family Refinance Program (“Refinance Program”) enables qualified borrowers to refinance their existing first mortgage loans without incurring lender fees, capped origination costs (maximum savings up to 100 basis points, or 1% of Loan Amount) for a specified period after closing on a purchase home loan.

Terms, Conditions and Eligibility Requirements:

1. The Dog Pack Family Refinance Program permits qualified borrowers to apply for a refinance with no lender fees.
2. The lender agrees to waive certain fees on qualified refinances.  Such lender fees include application, processing, underwriting, technology, income verification or commitment fees. “Lender fee” does not include discount points, MIP funding fees, Veterans Administration funding fees, buydown subsidies, or fees and expenses charged by third parties, such as tax service fees, wiring fee, appraisal, credit reports, settlement agent/attorney fees and expenses, title insurance premiums, notary fee, or government fees. 
3. Qualifying loans are purchase loans originated by FidoFi, LLC between 01/01/2025 – 12/31/2026.  The refinanced loan must be a first lien refinance of the same property as the original purchase loan.  This includes primary residences, second homes and investment properties. Application for refinance must be made within two years of closing the original purchase.
4. To be eligible for the Refinance Program, the borrower must have closed their purchase loan with an FHA, VA, USDA, Jumbo, conventional conforming or high balance loan.  Excludes non-agency and HELOC Loans.
5. The borrower must have made seven (6) consecutive on-time payments on the purchase loan.  The borrower is responsible for making all required payments in accordance with the terms of their loan.  Late payments are not acceptable.
6. The Refinance Program does not guarantee borrower or property eligibility. The Refinance Program does not guarantee the borrower a lower interest rate from FidoFi, LLC.
7. For the refinance application to be approved, the borrower must provide a complete signed loan application, submit all requested documentation in a timely fashion, and have their credit pulled. The borrower and the property must meet all applicable underwriting standards and closing requirements at the time of approval. The refinanced loan must meet agency and investor guidelines (e.g., seasoning requirements, net tangible benefit). The borrower’s ability to qualify for a loan under the Refinance Program will be subject to the loan program terms and conditions available at the time the completed loan application is submitted.
8. This offer is not redeemable for cash or credit and cannot be transferred to another individual. This offer cannot be applied to existing loan applications retroactively. This promotion cannot be combined with any other current discounts or promotions.
9. This is not a commitment to lend.  Refinancing may cause finance charges to be higher over the life of the loan.
10. Terms and conditions are subject to change or cancellation at any time at the sole discretion of FidoFi, LLC.

NMLS: 1059372