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Fifth Third’s Rate Drop Protector Program - DATES EXTENDED!

February 7, 2024

Fifth Third’s Rate Drop Protector Program - DATES EXTENDED!

Fifth Third’s Rate Drop Protector Program has just been extended to March 31, 2024 for SeaGate Homes Customers!  

With this program, Fifth Third will waive the lender closing costs if rates drop and it’s time to refinance—a savings of $1,295!


  • Exclusive limited-time offer available in all states for the refinance of purchase applications made between 4/1/2023 and 3/31/2024
  • Available on conventional and FHA/VA products*
  • Subsequent refinance applications must be made between 6-24 months from the purchase funding date
  • Cannot be combined with any other Fifth Third fee waiver programs

Don’t delay! Offer expires MARCH 31, 2024.

Learn why buying today with Fifth Third’s Rate Drop Protector Program is helping ensure your future refinance is even more affordable. Contact our Preferred Lender at Fifth Third Today:

Mortgage Loan Originator
NMLS# 1802742
Apply Today!

All loans are subject to credit review and approval. Fifth Third Bank, National Association, 38 Fountain Square Plaza, Cincinnati, OH 45263, NMLS# 403245, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. If mortgage rates decrease and you qualify for a Conventional, FHA or VA refinance loan with Fifth Third, we will waive your lender closing (Application fee, Underwriting fee, Processing Fee, Origination Fee) costs up to $1295. Discounts may be lower in some case where other concessions or discounts have already been applied. Applicants will be responsible for paying an up-front application fee which will be credited back to the consumer only if the loan closes and funds. * The purchase loan being refinanced must be on a 15, 20, or 30 year fixed conventional loan, a FHA 203(b) or 203K loan, or a 30 year VA loan and have an application date between April 1, 2023 and March 31, 2024. Offer not valid on portfolio products, non-agency jumbo, or ARM products. The subsequent refinance loan must have an application date between 6 months and 24 months from the purchase loan funding date. This Rate Drop Protector offer is not a commitment to lend or lock a rate. This offer is only eligible for loans where the purchase application and subsequent refinance transaction are both originated from either our Retail or Direct lending channels. This offer is not transferrable and cannot be redeemed for cash or credit. Customer is responsible for retaining this offer certificate and making their Mortgage Loan Originator aware of their eligibility at the time of the refinance loan application. This offer is subject to change or cancellation at any time at the sole discretion of Fifth Third Bank. The Nationwide Mortgage Licensing System and Registry offers NMLS Consumer Access SM, which is a free service for consumers to confirm that the bank or mortgage company and the mortgage professional with whom they wish to conduct business are registered with the federal system or licensed, if required, in the state in which they conduct business. To access this free service please go to View a listing of Fifth Third Bank Mortgage Loan Originators and their National Mortgage Licensing System (NMLS) unique IDs. Fifth Third Bank, National Association, NMLS# 403245 2/24 | 36546

SeaGate Homes
185 Cypress Point Parkway
Palm Coast, FL 32164
(386) 517-1328