$1,000 BEST PRICEguarantee

(Available in all states except New Jersey and New York)

If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance - we’ll send you a $1,000 check

(Available in all states except New Jersey and New York)

Step 1: Provide us with a Loan Estimate so that we can compare
Step 2: If we are unable to offer a better deal, you will proceed to lock rate and share the locked LE (on the same date) for us to try and beat.
Step 3: If we are still unable to beat the offer, you proceed to close with the competitor. After closing, please show us the Final CD within 10 days of the disbursement date and Loan Factory will pay you $1,000.

Loan Factory confidently offers our $1,000 Best Rate & Fees Guarantee. We've thoroughly checked our competitors and know we have the best deal. With our top-notch mortgage platform, we search through our best lenders to find you the cheapest rates and fees. Plus, we simply earn less on each loan. We might not make as much on each deal, but we make up for it by doing lots of loans. Our special low-cost way of doing business sets us apart from other lenders. That's why we have such low rates, and why we're happy to offer our $1,000 Best Rate & Fees Guarantee. Other banks, credit unions, and mortgage companies won't promise the lowest rates and fees because they know they don't have them.

Offer expires February 21, 2024

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Terms And Conditions for $1,000 Guarantee program

If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance — we’ll send you a $1,000 check. Here are the conditions you must meet to ensure you’re getting a true apples-to-apples comparison, and everyone is playing on the same honest, transparent playing field:

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There are a lot of smoke and mirrors tactics employed by lenders who cannot deliver you the lowest combination of rate and fees. We treat every single client with absolute honesty and transparency. By independently shopping the nation’s premier lenders, using our volume discounts as a broker, and making less on each loan; Loan Factory delivers tremendous savings to our clients. It’s mortgage lending done right!

Restrictions

$1,000 best rate guarantee not offered on all loan types and is limited to fixed-rate Conventional Conforming loans (No Jumbo loans and No High Balance Loans), FHA, and VA loans. Exclude offers from the builder’s preferred lender and from Credit Unions. Guarantee is only offered on identical matching loan types and products offered by Loan Factory on loan amounts of $200,000 or higher. You will not be entitled to the $1,000 we guarantee if you choose to decline a superior price from Loan Factory that is made to you anytime after you lock with a competitor and before you close/sign final documents with that competitor.

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