Purchase Mortgage On Time Closing $1000 Guarantee
Certafund works with only the most dependable and technologically advanced third party agents.
Our strict third party provider selection criteria, use of sophisticated loan processing technology, and well-trained loan processing staff allow us to close loans on time.
We are so confident we will close your purchase mortgage loan on time, we back our promise with a $1,000 written guarantee!
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- Provide Certafund all documentation and information requested within 24 hours of request.
- Be responsive to all 3rd party provider requests for information. With all requests for information responded to within 24 hours.
- If you select your own closing agent, your agent must provide preliminary title work within 5 days of initial application and be willing to schedule the closing at our requested time.
- Provide a copy of the sale contract and the name of the seller and/or selling agent within 24 hours of application.
- Provide us with the name and contact information of your buyers' agent, if applicable.
- Sell your existing home before the closing date and time, if stipulated in your loan approval.
- Loan application must have final underwriting** approval from the lender.
- Appraisal appointment must be scheduled within 24 hours of initial contact by appraiser.
- Closing date must be at least 30 days from rate lock date or application submission date for floating loans.
- Property must appraise at or above the sale price.
- Closing dates extended due to a delay in completion of new construction or improvements made to an existing property are ineligible.
- If Certafund fails to close your loan on the closing date determined at application and all of the above requirements have been met, a $1000 credit will be given towards closing costs; loan must close with Certafund to receive credit.
Lowest Rate and Fee $300 Guarantee
Certafund shops the rates of our competitors everyday to ensure our customers are getting the best rates and lowest fees. This saves our customers time and money.
We are extremely confident in our rates and can therefore extend a guarantee that the combination of the total closing cost + the interest rate will provide you with the lowest cost mortgage possible.
If not, we will pay you $300!
One of the reasons we have the ability to offer this program is Certafund fully discloses all rates and fees associated with your loan. We also guarantee, in writing, all lender closing cost fees that we have control over. It is important to protect yourself from surprise fees presented at closing.
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- Qualify with Certafund for the rate guaranteed by the competing lender.
- Notify Certafund in writing of a competing offer to be given a chance to beat the offer. If Certafund elects to not beat the competing offer, we will notify you in writing.
- After your loan is closed and funded, provide Certafund with a closing statement to confirm that the loan closed at the terms quoted in the competing offer.
- Competing offers must be for the borrowers exact loan requirements, from a national lender, and for a conforming loan program that is offered by Certafund. In addition, the competitors' rate and closing quote must be available on the competitors' website for the borrowers' specific loan criteria.
- The rate, commitment period and loan program for the competing offer must all match Certafund's offer. Competing offers must be dated and presented to Certafund on the day of the offer.
- Borrowers who have already locked their rate with Certafund are not eligible for this guarantee.
- This guarantee is for residential purchase and refinance mortgage products only.
- Third party and government fees are beyond Certafund's control therefore are not included in this guarantee.
- If Certafund is unable to beat a competing offer and the borrower accepts that offer, Certafund will pay the borrower $300 upon their loan closing.
CertaFee
Certafund introduces a straightforward approach to home financing with our new Certafee product.
CertaFee provides you with the security of knowing that the lender fees on your loan are guaranteed not to change throughout the loan process.
Purchase Guarantee
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