Home 2 Refi: Buy, Refi, Save

Home 2 Refi: Buy, Refi, Save 

Are you ready to buy a home now but holding back because of high interest rates? You don’t have to. Buy with Planet now and if you refinance later — lender fees and first appraisal are on us!

  • Enjoy your new home right away
  • Save on fees if you refinance within a year
  • Get an edge on homebuyers still waiting for rates to fall

Take an expert along on your journey to homeownership. Find your local loan officer and get started today!

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Buy Now, Refinance Later

With Home 2 Refi, we have you covered. Here’s how it works.

  1. Purchase a property with a home loan from Planet
  2. Move in when you’re ready without waiting for rates to go down
  3. If rates fall any time in the 12 months after you purchase, we’re here for you with special customers-only deals on lender fees and appraisals

Ready to talk to one of our mortgage professionals? Get in touch!

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Home 2 Refi FAQ 

Why should I buy a home now and refinance later?

There are lots of reasons to buy now instead of waiting:

  • The perfect property just came on the market
  • Relocation means you need a new home fast
  • Your growing family craves space
  • You want to downsize and save in retirement

Whatever the reason, Home 2 Refi means you can buy now and save on fees when you’re ready to refinance. And Planet is not only a low closing cost lender, we also provide full-service guidance to create an unparalleled customer experience.

Is Home 2 Refi a good mortgage deal for first-time home buyers? 

Absolutely. Home 2 Refi allows you to buy with confidence, whether it’s your first time buying a home or you’re an experienced homebuyer who knows exactly what you want.


Are there any other ways Planet can offer me savings?


Home 2 Refi is a great product on it’s own — but qualified borrowers can also combine this offer with our 1st Year Flex lender-paid buydown offer to save now and save later. That’s a true win-win scenario.

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What does it cost to refinance a mortgage? 

Like most things financial, the answer is, “it depends.” There are generally two types of closing costs:

  • Third-party fees, which are costs you pay other companies for things like credit reports
  • Lender fees, which are just what they sound like — refinance fees you pay to your lender

With Home 2 Refi, Planet will take care of the lender fees, aside from discount points and buydowns, and the cost of a first appraisal. We understand your goals — because we share your belief that homeownership matters — so we’re happy to pick up part of the check.

How do I know if I’m getting the best mortgage deal? What are the rates for a refinance loan today? 

Interest rates change fast, sometimes more than once a day. Planet Home Lending refinance scours the capital markets to get you the best rates available. Call us for current rates and professional assistance today. Let’s get you home.

Planet’s Home 2 Refi offer expires 12/31/2024. Available to Planet Home Lending, LLC (“Planet”) purchase home loan customers only with loans closing on or after 4/1/2023. This offer is limited to first-position Conventional, FHA, USDA, and VA refinance loans of owner-occupied or second homes. Cash-out refinances and renovation/rehabilitation loans are ineligible. A complete mortgage loan application for the refinance of your Planet purchase loan must be submitted within 12 calendar months from the closing of your Planet purchase loan. Planet requires receipt of the following information to consider the application received: name, income, Social Security number, property address, estimated property value, loan amount sought, and signed notice of Intent to Proceed. This offer is valid towards the refinance of your purchase loan and contains no separate cash value. Offer may only be used one time per property. Under this special offer, Planet does not require payment of lender fees other than discount points or buydowns nor does Planet require payment of fees for initial appraisals. Borrower must pay all third-party fees for goods and services, including second appraisals or re-appraisals/valuations, credit report, hazard insurance, etc., at closing. Planet reserves the right to end the Home 2 Refi promotion at any time.

Equal Housing Lender. © 2023 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID# 17022 | For licensing information, go to: www.nmlsconsumeraccess.org | AZ Mtg. Banker Lic. MB-0929069; Licensed by The Department of Financial Protection and Innovation under the CA Residential Mtg. Lending Act Lic #: 4130947; IL Residential Mtg.; Licensed by the NH Banking Dept.; Licensed by the NJ Dept. of Banking and Insurance; OH Mortgage Broker Act Mtg.; Rhode Island Licensed Lender; TX location 5020 Riverside Dr, Suite 300, Irving, TX 75039; Licensed Mortgage Banker—NYS Department of Financial Services—NY location 265 Broadhollow Rd, Suite 100, Melville, NY 11747. This is not a loan approval or commitment to lend, applications are subject to full review and approval, other terms and conditions may apply. This is an advertisement. Nothing in this advertisement should be construed as an endorsement or recommendation of services of any other entities or persons shown.