At 123Refi we offer the ability to Beat The Banks. How does this work? We will beat the published rate of leading your favorite bank by .250% We will package and underwrite the mortgage according to the guidelines of that bank and won't charge any more fees than that bank charges themselves.Thinking of a New Century Mortgage? Fill out our online New Century Mortgage application and we'll package your home loan according to New Century Bank guidelines. Not only that, but we won't charge any more than the fees charged by New Century Bank themselves for your New Century Mortgage. And a final detail: We'll beat the published rate of New Century Bank by .250%---now that's the way to Beat The Banks and beat a New Century Mortgage!