Already have a preliminary approval letter or a Loan Estimate from another mortgage lender?1 Let us give you a second opinion!
If you have applied for a home loan with a competitor, we want to save you money! Show us a valid current preliminary approval letter or a Loan Estimate from another lender, and we will meet or beat the competitor’s offer, or we will provide you a $1,000 gift card.2
Borrower(s) must provide FM Lending with loan application information to determine qualification. This offer applies to fixed-rate conforming loans only
1. A preliminary approval is based on our preliminary review of credit information only and is not a commitment to lend. We will be able to offer a loan commitment upon verification of application information, satisfying all underwriting requirements and conditions, and providing an acceptable property, appraisal, and title report. Preliminary approvals are subject to change or cancellation if a requested loan no longer meets applicable regulatory requirements. Preliminary approvals are not available on all products. See a mortgage consultant for details
2. This promotion is valid through 12/31/2020. Borrowers must present a Loan Estimate or preliminary approval letter issued by a competitor within two (2) business days at the time of the borrower’s request for a preliminary approval decision with Prosperity Home Mortgage, LLC. Prosperity Home Mortgage will attempt to offer a comparable loan product with similar loan terms and a lower Annual Percentage Rate (APR). If you have a current lock-in agreement, this is NOT an inducement to transfer your loan. This promotion may not be combined with any other offers, discounts or promotions. Standard credit and collateral underwriting guidelines apply. Not all borrowers will qualify. This is not a commitment to lend. Prosperity Home Mortgage, LLC is required to comply with all applicable federal and state tax laws and regulations. Recipient may be required to provide additional information for tax purposes prior to receiving the gift card(s) and/or may receive applicable tax and income reporting forms as a result of receipt of the gift card(s). Recipients should consult a tax professional for all questions concerning the tax implications this program.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance. Licensed by the Delaware State Bank Commissioner. Also licensed in AL, AR, AZ, CO, CT, DC, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WA, WI, WV and WY
#1971-1 Expires 12/31/2020