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Disclaimer :
Up to $3,500 in lender paid credits, which shall be provided by iTHINK MORTGAGE and used by the customer to offset the Covered Fees (defined below) assessed at the first time the Mortgage Loan is refinanced with iTHINK MORTGAGE within three (3) years of the close of the Mortgage Loan. “Covered Fees” include: Lender’s Title Insurance Policy Fees; Owner’s Title Insurance Policy Feed; Appraisal Fees (includes second appraisal fee, appraisal re-inspection fee and appraisal recertification fee, if applicable); Flood Certification Fees; Credit Report Fees; and Other Settlement Fees (includes notary fees, settlement fees, recording services fees, transfer taxes and government fees, deed preparation, courier messenger fees, and endorsements). Discount points are excluded.