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Signature Guarantees

First Direct Lending is the lender banks don’t want you to know you about. In fact, we’re so confident in the loan programs we offer to our customers, we back them with our 3 Signature Guarantees plus our FREE Refinance for Life program ! Experience First Direct Lending’s seriously simple refinance process and industry-leading close time for yourself.

  • Best Loan Guarantee*. We believe we have the best loan programs available in the marketplace. If your loan approval is not the best loan available, and you are able to find one that saves you more money, we will pay you $1,000. Guaranteed!
  • 30 Day Closing Guarantee**. Your loan will close within 30 days of the receipt of your complete application, or we will pay you $1,000.
  • Appraisal Fee Guarantee***. If you qualify for and choose a Government loan, we will cover your upfront appraisal cost…we guarantee it!
  • Free Refinance Guaranteea: If you close a loan with FDL, you are qualified for our Free Refinance Program.


*Customer must provide a valid loan approval for a comparable mortgage loan program with conditions required to close, dated within 30 days of the application with FDL. Application information must be accurate and consistent. $1,000 will be due if FDL is unable to provide a loan with more monthly savings than the comparable loan approval. Monthly savings are defined as comparison of the total of all monthly payment obligations compared to the new total monthly payment obligations.

**Initial application information must be accurate and remain consistent. Date of complete application is defined as the receipt of the application, documents, disclosures and authorizations required to begin processing the loan (indicated by the completion of File Set Up). Any delays resulting from unaffiliated 3rd party companies are not eligible. $1,000 will be offered as a credit towards any lender fees charged by FDL.

***FDL will finance the cost of any appraisal required on a Government (FHA/VA) loan program through loan proceeds. No upfront payment will be required. Customer must be approved for the loan and provide the necessary documentation to begin processing the loan before FDL will order the appraisal.

aFDL does not charge any lender fees on any future loans done against the subject property. Customer must qualify for an available loan at the time of application for the Free Refinance Program.

Call Us Today: 1-855-510-EASY