Buy Now, Refi Later

Sometimes the perfect home can’t wait.

Secure your dream home today and look toward a better rate tomorrow!


With BCU’s Buy Now, Refi Later program, you can buy your dream home at today’s rates with peace of mind, knowing you can refinance with BCU within 36 months of closing should rates drop. Plus, you’ll receive a credit of up to $1050* to cover lender fees.



Follow these steps:

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Submit your application for a mortgage purchase and a dedicated Home Loans Expert will reach out to assist with your homebuying journey.

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We’ll be with you every step of the way. Close by 12/31/2025 to receive your Buy Now, Refi Later Certification Letter.

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You can refinance within 36 months (after making at least seven full payments), and we’ll cover closing costs up to $1050.

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