*Rate discount applies to applications and prequalifications for qualifying loan products: conventional loans (purchase and refinance), first-time home buyer advantage, one-time close construction loans and non-conforming loans. Excludes FHA, VA, USDA, land loans, HELOCs and construction loans with 2-time close option. Mortgages available in AL, FL, LA and MS. Offer subject to change at any time without prior notice.