Lower Rate Guarantee Terms and Conditions

              Find a lower rate than ours? It's hard to do, but if you do, we'll beat it or pay you $1,000.  Simply provide us with the other lenders’ advertisement and loan estimate.  Offer Valid on Conventional, FHA, USDA, and VA 30/15 year fixed loans.  Pinnacle Real Estate Advisor Home Loans  will provide you with the lowest purchase mortgage rate on a similar mortgage of any licensed lender or pay you $1,000. A similar mortgage must be for the same property, term, product type, discount points, mortgage loan amount, and loan to value with the same or lower total closing costs.  Requests can be submitted up to three business days prior to making application at Pinnacle Real Estate Advisor Home Loans. Competitor rate documentation must be submitted at the same time as the competitive rate adjustment request. Competitor rates must be visible and available to the general public at the time of the rate adjustment request. Prospective purchase mortgage customers submitting a competitive rate adjustment request will receive a credit decision (approval or denial) as quickly as possible and usually within 24 hours. Offer is only valid in the state/states where Pinnacle Real Estate Advisor Home Loans is currently originating loans.

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             To be eligible for the $1000 you must mail to Pinnacle Real Estate Advisor Home Loans a copy of the Final Closing Disclosure and the executed Note within 15 calendar days of closing your loan with the other lender.  Pinnacle Real Estate Advisor Home Loans will mail you a $1000 check within 30 calendar days of receiving the required documentation. The Final Closing Disclosure and the executed Note must disclose that the loan closed with the same rate, terms, conditions, including rate lock expiration period, and product similarity as previously disclosed in the documentation provided by the borrower at the time of the competitive rate adjustment request. Pinnacle Real Estate Advisor Home Loans, in its sole discretion, will make all determinations of eligibility and qualification for competitive rate adjustments and for payment of this Guarantee. The Lowest Rate Guarantee program is subject to revision or revocation by Pinnacle Real Estate Advisor Home Loans at any time without notice.  A competitive rate adjustment approval is not an indication of credit approval; a borrower’s loan application may still be denied regardless of the competitive rate adjustment decision. Pinnacle Real Estate Advisor Home Loans is not responsible for system failures, communication problems or connection and server problems, natural or man-made, failed, incomplete or delayed transmissions, technical malfunctions of telephone networks, computer equipment, system or software, computer time and date stamp mechanism, or any combination thereof, or other unforeseeable events beyond the control of Pinnacle Real Estate Advisor Home Loans.   Requests for competitive rate adjustments will not be permitted after periods when the U.S. ten year treasury changes by more than .20% over any two consecutive day period as published in the Wall Street Journal.