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Ask for a Second Opinion!

Ask for a Second Opinion!

Ask for a Second Opinion!

Already have a Loan Estimate or loan worksheet from another mortgage lender? Let us give you a second opinion!1

If you have applied for a home loan with a competitor, we want to save you money! Show us a valid current Loan Estimate or loan worksheet from another lender2, and we will meet or beat the competitor’s offer, or we will provide you a $1,000 gift card.3


Not all borrowers will qualify. Not available in all areas. This offer is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications.

1. This promotion is valid on loan applications made through Prosperity Home Mortgage, LLC dba FM Lending Services by 4/30/2020. This offer only applies to fixed-rate conventional, FHA, and VA conforming loans for the purchase of existing real property.  Not valid on non-owner-occupied investment properties, new construction or renovation financing. Only applicable for substantially similar loan products and terms, including down payment and property type. 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. This is not a commitment to lend. Prosperity Home Mortgage, LLC dba FM Lending Services will be able to offer a loan commitment to qualified applicants upon verification of application information, satisfying all underwriting requirements and conditions, and providing an acceptable property, appraisal, and title report. See a mortgage consultant for details.

2. Borrowers must present: 1) a Loan Estimate or valid loan worksheet with interest rate and lender origination charges issued by a licensed mortgage lender dated within the same business day of the request for a Second Opinion and 2) loan application with Prosperity Home Mortgage, LLC dba FM Lending Services including requested documentation in order to determine qualification. Borrowers may only present one Loan Estimate or loan worksheet per competitor for each loan product offered for comparison as part of this program.

3. Prosperity Home Mortgage, LLC dba FM Lending Services 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 funds and or may receive applicable tax and income reporting forms as a result of receipt of the funds. Recipients should consult a tax profession for all questions concerning the tax implications of this program.

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