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Rate Advantage Guarantee

Compare your best offer with us today!

We ensure you never overpay on your home loan—peace of mind included.

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If You Close Your Loan With Any Lender at a Lower Total Cost ( Interest Rates, Fees and Mortgage Insurance ), we'll Send You a $1000 Check!

We’re so confident in our low rates and fees that we’ll put $1,000 on the line! Here’s how our Best Price Guarantee works:

Step 1

Show us your Loan Estimate, and we’ll compare offers.

Step 2

If we can’t beat it, lock in your rate with the competitor and share the locked Loan Estimate (same day).

Step 3

If we still can’t beat it, go ahead and close with them. After closing, share your Final Closing Disclosure, and we’ll send you $1,000—no strings attached!

At Rate Advantage, we keep costs low, so you get the cheapest rates and fees possible. We’ve checked the competition, and we know we offer the best deal—that’s why we confidently stand behind our $1,000 Best Price Guarantee.

Don’t overpay for your mortgage—challenge us to beat your offer today!

How to Qualify for the $1,000 Guarantee:

Step 01

Get an Official Loan Estimate (LE) & Compare Offers

  • Provide us with a detailed, written loan estimate from a competitor that includes:
    • Lender’s name & date of the quote
    • Loan type, term, purchase price/property value, loan amount
    • Interest rate, monthly mortgage insurance (if applicable)
    • Full breakdown of all lender fees, discount points, credits, and third-party charges (appraisal, title, etc.)
  • The competitor’s quote and Rate Advantage’s quote must be from the same day to ensure a fair, apples-to-apples comparison.
Step 02

Lock Your Rate & Share Your Locked Loan Estimate

  • If you choose to proceed with the other lender, you must:
    • Lock your rate the same day you received both quotes.
    • Provide us with a complete, unaltered locked Loan Estimate within 48 hours (2 business days).
    • The locked LE must match your original quote.
Step 03

Provide Closing Documents

  • Within 48 hours of closing, send us your:
    • Final, signed Closing Disclosure (CD)
    • "NOTE" from your closing documents
  • The final terms must exactly match the competitor’s original quote and locked LE.
Step 04

Claim Your $1,000 Check!

  • If we were unable to beat your offer before closing, and all documents confirm that the competitor truly gave you a lower cost loan, we’ll send you $1,000 within 30 days.
  • If we offered a better deal after you locked elsewhere and before you closed, but you chose not to proceed with us, you won’t be eligible for the $1,000.

Important Restrictions & Exclusions

  • Not available for Jumbo or High Balance loans
  • Excludes loans from builder’s preferred lenders and from credit unions
  • Only applies to fixed-rate Conventional, FHA, and VA loans
  • Minimum loan amount must be $200,000+
  • Must be an exact loan match (same loan type & terms as offered by Rate Advantage)
  • You will not be entitled to the $1,000 we guarantee if you choose to decline our superior price from rate Advantage that is made to you anytime after you lock with a competitor and before you close/sign the final closing documents with that competitor

We know other lenders use smoke and mirrors to make their deals look better. That’s why we believe in total honesty, transparency, and offering the absolute best rates. By working with top lenders, leveraging our volume discounts, and making less per loan, we pass the savings directly to you!

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