family eating outdoors

Rates Fluctuate.
Relationships Shouldn't.

Take advantage of this limited-time mortgage promotion.

Owning a home has been at the heart of the American dream for generations and we’re helping to keep that dream alive. Whether you’re a first-time home buyer or looking to upgrade, we want to help you stay proactive in this time of uncertainty within the housing market.


Purchase a new home before the end of September and if rates drop, Pinnacle Bank will refinance your loan to the lower rate AND will waive processing and underwriting fees!

  • Start on your loan application now! Offer is valid for all loans closed between January 1, 2023, to September 30, 2024.
  • If rates drop*, refinance your loan to the lower rate before September 30, 2025, to have processing and underwriting fees waived!


  • Loan must close with Pinnacle Bank between January 1, 2023, and September 30, 2024
  • Borrower must make 6 payments (with no late or missed payments)
  • Interest Rates must decrease by at least .50%
  • Refinance must close before September 30, 2025

*Interest rate on refinance must reduce interest rate by a minimum of .50% from original loan rate and must have a net tangible benefit. Conditions and restrictions apply. Not all applicants will qualify. Loan approval is subject to final underwriting review and approval. Contact your loan officer for more information. Offer only eligible for secondary market loans.