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**Shelton Mortgage Team’s Refinance Advantage is available only for eligible purchase loans originally originated by Neil Shelton at Edge Home Finance, LLC and subsequently refinanced through him. Eligible refinance programs include conventional conforming, government, and jumbo loans. Construction loans, home equity lines of credit (HELOCs), bond loans, and loans using down payment assistance programs are excluded. Additional investor restrictions may apply. The offer is nontransferable, cannot be redeemed for cash or credit, and cannot be applied retroactively to previously closed loans. It cannot be combined with other discounts or promotions or used with interest-only, buy-down, or second-lien products. The offer is subject to change or cancellation at any time at the sole discretion of Neil Shelton at Edge Home Finance, LLC. Additional restrictions and conditions may apply. The refinance must close no earlier than six months after the original purchase closing and no later than five years from the original note date. The refinance must provide a net tangible benefit, such as an interest rate reduction of at least 0.50 percentage points, conversion from an adjustable-rate to a fixed-rate mortgage, a shorter loan term, movement to a more stable loan product, or a lower monthly principal and interest payment. Applicable loan program requirements must also be met. Refinancing may increase total finance charges over the life of the loan. If offered, covered fees are limited to lender administrative and underwriting fees, appraisal fees, and credit report fees on an eligible refinance of your purchase loan through Neil Shelton at Edge Home Finance, LLC, subject to refinance approval and program requirements. Other closing costs may apply. This is not a commitment to lend. A lower rate, future refinance approval, and savings are not guaranteed.