Offer available for most purchases and refinances. With approved credit on RCB Bank Mortgage secondary market loans locked between August 30, 2025 and December 31, 2025. Must meet minimum loan and program underwriting requirements. Lender credit must be used toward borrower closing costs. Not redeemable for cash or down payment funds. This offer is not valid with any other RCB Bank Mortgage incentives, promotions or discounts. Some exclusions apply. This offer is subject to change or termination without notice. Other loan terms and restrictions apply. Member FDIC, Equal Housing Lender, NMLS #798151.