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.
Refinance Guarantee
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