Low rates, dependable service and loan closing costs are
all important factors in choosing a mortgage lender –
and we’re confident that you’ll find the best of all three
right here. In fact, we guarantee it!

“We’ll beat any mortgage rate!”
Whether you’re a first-time homebuyer looking for
affordable options or a veteran homeowner looking to
reduce your monthly payment, our rates are unbeatable.
If you find a better price on the same home loan product
and lock- in period, we’ll make you a superior offer with
a lower Annual Percentage Rate, lower interest rate, or
lower closing costs — or we will pay $300 toward your
closing costs.

Best Price Guarantee Details
The Best Price Guarantee applies to the 30-year Fixed
Rate and 15-year Fixed Rate first lien mortgage loans, on
1-4unit single-family properties, up to the Fannie Mae
and Freddie Mac conforming loan limits (currently
$417,000 for a 1-unit property). The Best Price Guarantee
does not apply to subordinate lien mortgage products or
any products not expressly identified here.To qualify for
the guarantee, you must provide a system-generated,
completed, and signed (i) Good Faith Estimate and (ii)
Initial Truth-In-Lending Disclosure from the competing
lender, for one of the two loan programs referenced
above.

This Good Faith Estimate and Initial Truth in Lending
Disclosure should include the lender closing costs, any
applicable discount points and the interest rate lock-in
term. All competing offers must be in writing and dated
the same date on which we are providing our offer so
that we can provide the Best Price Guarantee under the
same market conditions as the competing lenders. Email
quotes from the competing lender will not be
accepted. You must notify us of the competing offer
within 24 hours of receipt of the offer and allow us to
compete for the business.

We will review and verify the above listed interest rate,
Annual Percentage Rate and fees listed on the supporting
documentation submitted. We will then have the
option to beat the competing lender’s total applicable
pricing with a superior offer (as described above) or we
will pay you $300.If we are able to provide a superior
loan offer, you must lock in the interest rate and closing
fees with us at that time. If we are unable to provide a
superior offer, in order to be eligible to receive the $300,
within one week from the loan closing date you must
send our branch manager a copy of the final HUD-1
Settlement Statement and final Good Faith Estimate
from the competing lender that closed your loan.

This guarantee applies to new customers only. It is not
available if you have previously locked in your interest
rate with us, or any other lender, prior to the date we are
providing this offer. In order for you to qualify for this
guarantee, we may verify, and/or request that you certify,
that an interest rate lock was not secured prior to the
date that the competitor’s Good Faith Estimate and
Truth-in-Lending Disclosure were supplied to us.

Fast Closings Guarantee!
Your time is valuable and you’ve got boxes to pack and
unpack. That’s why Crestmark Mortgage’s entire loan
process is designed to be fast and easy. That includes fast
loan closings once you find your dream home. In fact,
we’ll guarantee to close your home-purchase loan in 10
days or less or we’ll credit $250 towards your closing
costs. If you don’t need to close quite that fast, just tell us
what day you’d like. We’ll do it – guaranteed!

Fast Closing Guarantee Details
For borrowers who need more than 10 days to complete
their purchase transaction, we guarantee to close on
your requested date (Pick-A-Day Close). 10-Day Close
and Pick-A-Day Close are from receipt of completed
application and supporting documents required for loan
approval as outlined by Crestmark Mortgage. The
required documents can be delivered in person or via
U.S. Mail during normal business hours to your
Crestmark Mortgage branch address, via e-mail to your
Crestmark Loan Officer or faxed to the fax number provided
by your Crestmark Mortgage Loan Officer. VA
loans and certain construction loan programs excluded.
Not responsible for sellers’ or third-party delays beyond
our control, or for delays resulting from your actions or
failure to act. This guarantee is for purchase loans only.
Maximum $250 Service Level Guarantee credit per loan.

Total Price Guarantee!
When you buy a home, the cost of a loan is more than
just rates and points. There are closing costs, too. So
when you’re deciding on a lender, choose the one who
will quote the total price and stand by it – Crestmark
Mortgage. We guarantee your interest rate, points and
loan related closing costs will not go up after you get an
approval certificate from us and lock in a rate on your
favorite home purchase loan. If the actual fees turn out
to be more, we’ll cover the difference.

Total Price Guarantee Details
Your guaranteed rates, points and fees are void if you
change the loan amount, down payment, loan program,
property type, or other terms or if you desire to purchase
a home despite an unsatisfactory appraisal or title search
as determined by Crestmark Mortgage.

To qualify for this guarantee, you must submit and
provide accurate and complete approval information
and any supporting financial documents. Approval is
subject to satisfactory review of property, financial
documents, program requirements and no change in
financial condition.You must be prepared to close before
the expiration of your rate lock-period. Crestmark
Mortgage is not responsible for sellers’ or third party
delays beyond our control. This guarantee is for
purchase loans only.

Loan Closing Costs with No Surprises
What you see is what you get. We guarantee that your
loan-related closing costs will match or be lower than the
total amount quoted on our original Good Faith
Estimate for the same loan. That’s right, we absolutely
guarantee that at closing, your total lender and third
party loan-related fees (such as your appraisal, credit
report, flood certification, document preparation, loan
processing fee, tax service and recording fees) will be the
same or less than those shown on our Good Faith
Estimate. If the actual fees turn out to be more, we’ll
cover the difference.

Please note that the loan-related closing costs guarantee
excludes the cost of prepaid interest, escrow items (such
as property taxes, hazard insurance, flood or mortgage
insurance), or other third-party real estate transaction
costs (such as property surveys, home inspections, or a
home warranty). Since these fees vary depending on
your closing date, the service provider you choose or the
home you buy, we cannot always predict the exact
amount for these items right away. For these other thirdparty
expenses, we promise to give you our best estimate
of these costs, keep you informed about any
changes to our estimate so you can plan accordingly,
and tell you the exact costs as your closing date
approaches.

At Crestmark Mortgage, you can rest assured that the
total price promised from the start will be the same
when your loan closes. After all, we think buying a new
home is exciting enough. You shouldn’t have to worry
about anything unexpected from your lender.