Not all applicants will qualify for a loan. The bill of rights is intended to explain how First Direct Lending treats its customers and the types of terms those who qualify will receive. Applicants are required to meet credit, collateral, income and other standard underwriting requirements. The free refinance for life means that should you apply and qualify for a future refinance on the same subject property, we will waive all of our lender fees associated with the refinance. You would still be responsible for any 3rd party fees required to complete your loan.