Here’s something I don’t say often: this month, you can save real money right out of the gate.

If you lock your rate with us anytime in March 2026, we’ll reimburse your appraisal cost at closing—up to $600. That applies to Conventional, FHA, and VA loans.

No catch. No fine print buried three pages deep. Just a straightforward credit back to you when you close.

Why This Matters

Let me break this down. The appraisal is one of those upfront costs that catches people off guard. You’re already juggling down payment funds, inspection fees, and maybe some repairs. Then boom—another $500 to $650 for the appraisal.

It’s not optional. The lender needs it. But this month? We’re covering it.

Bottom line: That’s $600 you can put toward something else—moving costs, furniture, or just keeping it in your pocket. After 25 years in this business, I know every dollar counts when you’re buying or refinancing a home.

Who Qualifies?

Here’s what you need to know:

• Lock your rate in March 2026 (that means between now and March 31st)
• Most Conventional, FHA, and VA loans qualify
• You get the reimbursement at closing—we credit it back when the deal closes
• Up to $600 depending on your actual appraisal cost

Real talk: You need to actually close the loan to get the credit. If you lock and then decide not to move forward, the offer doesn’t apply. Fair enough, right?

Perfect Timing for Veterans

If you’re using your VA loan benefit, this is especially valuable. VA loans already come with zero down payment and competitive rates. Now add a free appraisal? That’s a serious advantage.

I’ve worked with hundreds of veterans over the years, and one thing I hear constantly is appreciation for straightforward benefits. No games. This is exactly that.

Whether you’re a first-time buyer using your benefit or a veteran who’s used it before (yes, you can use it again), this March offer stacks on top of everything the VA loan already gives you.

What You Need to Do

The mission is simple:

1. Connect with us before March 31st. Get pre-approved if you’re buying, or let’s talk through your refi scenario if you’re looking to lower your rate or pull cash out.

2. Lock your rate in March. Once we’ve got your full application and you’re ready, we lock it in. That’s when the appraisal reimbursement gets attached to your loan.

3. Close your loan. We process everything, you get to closing, and that appraisal cost comes back to you as a credit.

That’s it. Three steps.

Why We’re Doing This

Here’s what most people don’t realize: March can be a smart time to lock a rate. We’re past the holiday chaos, spring buying season is just starting to heat up, and inventory is beginning to move.

We want to help you take advantage of this window. And frankly, we want to earn your business by making the process as financially painless as possible.

I’ve been doing this for over 25 years. I’ve seen every gimmick and every legitimate offer. This is the latter—a real benefit that puts money back in your pocket.

Ready to Move Forward?

If you’ve been thinking about buying or refinancing, now’s the time to get the intel you need. Let’s talk through your situation, run the numbers, and get you locked in this month.

You can reach out directly, and we’ll get you pre-approved and on track. Whether you’re in DC, Virginia, Maryland, or beyond—if you’re ready to move, let’s make March count.

Roger that?

Let’s get to work.

Robert Musseman | NMLS# 85152
Oak Street Mortgage | NMLS# 1618618
www.nmlsconsumeraccess.com