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 $2,000 check. Here’s how it works:

1. Step 1 — Provide us with an official Loan Estimate so we can compare apples to apples (same day quotes only — pricing changes daily).
2. Step 2 — If we can’t offer a better deal, lock your rate with the competitor and share the locked Loan Estimate (same date) so we can try to beat it.
3. Step 3 — If we still can’t beat it, close with the competitor, then show us the final signed Closing Disclosure and Note within 10 business days of closing. If everything matches, Loan Factory pays you $2,000 within 30 days.

Restrictions

• Fixed-rate conventional conforming loans only (no jumbo, no high-balance), plus FHA and VA.
• Loan amounts of $200,000 or higher.
• Identical loan types and products only.
• Excludes offers from a builder’s preferred lender and from credit unions.
• If we offer you superior pricing after you lock with a competitor and you decline it, the guarantee does not apply.
• Not available in Washington.
• Pending program availability.