1The $450 Refinance Flat Fee program is a limited time offer and may be withdrawn at any time. Offer effective as of 10/28/2020. The $450 Refinance Flat Fee program includes the following costs: Appraisal and Appraisal Review fees, judgment searches, Flood Certification Fee, and attorney review fee. An application fee of $500 is required. For example, a $350,000 mortgage with an LTV of 80% and an interest rate of 3.500% fixed for 30 years (annual percentage rate (APR) – 3.518%) requires monthly payments of $1,347.13; APR assumes a borrower with credit score 700 and above, is subject to change without notice, and may be different for loan amounts above the conforming limit. The estimated monthly payment does not include property taxes and homeowner insurance premiums and the actual monthly payment will be greater. $450 Refinance Flat Fee program is available for 1-4 family owner-occupied homes with a maximum loan amount of $765,000. Offer not valid for existing Mariner’s Bank mortgages. Approved applicants will be responsible at closing for funding interim interest and an escrow account for property taxes and insurances. The mortgage is subject to formal credit approval. Mariner’s Bank NMLS 740688. Member FDIC, Equal Opportunity Lender.