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9. Important Terms and Conditions Regarding Our $500 Best Offer Guarantee
Documents we will eventually need from you:
Competitor’s Initial Good Faith Estimate (GFE) – All Pages within 5 days of the HomeLoansNow application including Tri-merge credit pull.
Competitors URLA – Uniform Residential Loan Application 1003
Copy of the HomeLoansNow mail piece with VIP#
Property must be Owner Occupied
Max 80% Loan to Value
No Subordinate Financing
Minimum Loan Amount – $200,000
Max Loan Amount based on the published Fannie Mae/Freddie Mac county loan limit as of 1/31/2013
Minimum FICO Score: 680
Property must be non-rural and non-complex
Additional Requirements: Competitor’s program must have a 1004 full appraisal inspection requirement and the appraisal must be performed. If your loan is cancelled by you, or declined by HomeLoansNow Underwriting, the $500 Best Offer is not longer valid. In order to collect the $500 Best Offer you must provide the following: Final Closing HUD1, Final Good Faith Estimate (GFE) and a copy of the appraisal. The Final GFE and Initial GFE must have matching Interest Rate, Loan Term, Loan Amount, Lender Fees as well as matching Impound requirement. Property must be a single family, condo or PUD.