If another lender has a lower rate, we will match or beat it.  Certain restrictions apply.  The guarantee is only on fixed rate, conforming products only.  All facets of the loan must be equal.  We reserve the right to determine what documentation will be required to satisfy this requirement.  The rate must be a published rate and readily available to the general public.  If the product has any restrictions (i.e. membership required or only for certain professions) the guarantee is null and void.  The following factors must also match before a rate guarantee will be considered:

• The credit score requirements
• The lock in period must be the same
• The closing costs must be the same including the origination and discount points
• The loan to value must be the same
• The Mortgage Insurance option must be the same
• The loan amount must be the same
• The term of the loan
• Payment terms (i.e. prepayment penalties) must match
• If we are unable to match or beat a bona fide competitor’s rate we will issue a $50 gift certificate to a national vendor of our choosing.