David Edwards

Mortgage Banker
NMLS #68930

(251) 445-7697
Email: dedwards@amic.co

AMIC Spanish Fort:
30500 State Hwy 181 STE# 460
Spanish Fort, AL 36527

Licensed in:

Hire Date: 2005


This program is designed to ensure you get the most benefit
possible from your loan. We guarantee you the lowest rate
for the life of your loan and if you do ever need to refinance we
will cover most of your closing costs for you.

No one in the industry even comes close to our Lifetime Guarantee.

Program Details

AMIC is proud to offer the "RateGuard-life" refinance program, the mortgage industry's longest Low-Rate Guarantee. Close a mortgage loan with us today, and if you ever need to refinance for any reason (rates drop, you need cash out, etc.), we will cover all of the following closing costs for you:

  • Processing Fees
  • Underwriting Fees
  • Appraisal Fee
  • Appraisal Services
  • Credit Report
  • Tax Certification Fee
  • County and State Recording Fees
  • Flood Life of Loan Fee
  • Notary Fees
  • Flood Certification Fee

The RATEGUARD life program covers all closing costs listed above. Any additional closing costs are the responsibility of the borrower. Program applicable to mortgage loans closed with AMIC on or after 04/01/2011. This offer is valid once per mortgage and only applies to refinance loan transactions on the originally financed property address with the original borrower/co-borrower. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested, and will be quoted the interest rates in effect at the time of your next refinance. This promotion cannot be combined with any other offer. Some restrictions may apply.

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Lending in: Alabama (20357/20898); California: Licensed by Department of Corporations, California Finance Lenders Law (CA-DOC603J195); Colorado: (38958); Florida (MLD343); Louisiana (RML 2601-0); Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance (508/2004); North Carolina (L-166697); Tennessee (108932)