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our guarantees
what you can expect from
loanhomecenter.com?
our standards and guarantees is what helps us deliver you the right loan. read more about all of our guarantees below. |
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lowest
price guarantee
search our database of thousands of loan programs and compare interest rates with our competitors. if you find a better offer on the same program anywhere else, we will match it or beat it, or we'll pay you $1,000 even if you close somewhere else. how's that for confidence?
the loanhomecenter.com low price guarantee applies to conforming 1st trust deed loan programs only. to be eligible to receive $1,000 you must provide a signed good faith estimate and truth-in-lending disclosure from the competing direct lender that shows an identical loan program and includes lender closing costs, discount points, and loan lock term. all competing offers must be in writing (dated the same date loanhomecenter.com is offering a price match). email quotes supplied by the borrower from competing lender will not be accepted. you must notify loanhomecenter.com of competing offer within 24 hours of receipt of offer and allow loanhomecenter.com to compete for the business. after loanhomecenter.com has provided a superior loan offer to that of the competing direct lender, you must lock in the rate and fees at that time and provide a lock deposit to loan home center for a rate lock agreement. this guarantee is void if you have already locked-in your rate with loanhomecenter.com. if loanhomecenter.com is unable to match or beat the competing offer, a guarantee acknowledgment letter (g.a.l.) with conditions will be provided to you. loanhomecenter.com will pay you $1000 after the loan has closed, provided you supply a copy of the final hud1 closing statement within ten (10) days of closing and meet all conditions set in the g.a.l. guarantee does not apply to 2nd trust deed products or servicing retention programs on 1st trust deed products offered by your current lender (such as streamline refinances).
quality service guarantee
after you apply online, your personal mortgage banker will contact you to
confirm that we have received your application and will answer any questions
you may have. during normal business hours, if you don't hear from us within an
hour of submitting your initial completed online application, we'll take $300
off your closing fees.
loanhomecenter.com will close your purchase home loan on the escrow closing
date, provided that the loan is locked with loanhomecenter.com at least 30 days
prior to escrow closing date. this guarantee does not cover sellers' or third
party delays beyond the control of loanhomecenter.com. guarantee is good only
for purchase transactions. loanhomecenter.com will deduct $100 off of closing
fees for every business day delayed beyond the specified closing date up to a
maximum of $300.
no risk or obligation guarantee
apply online at your convenience to see which programs are right for you. use
our interactive tools and free services. apply online or give us a call to
speak with an experienced, friendly mortgage banker.
truecost closing guarantee
how many times have you received a "good faith" estimate from a
mortgage lender or broker only to be surprised with higher fees when it's too
late to start over? because loan home center is a direct lender, we control the
process and we control the fees. for most programs offered at loan home center,
our efficient direct lending platform enables us to quote accurate closing fees
up front so there are no unexpected last minute increases.
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