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Share the Loan Estimate
Provide a competing lender's official written Loan Estimate so the offer can be reviewed apples-to-apples.
Loan Factory Best Price Guarantee
$2,000 Best Price Guarantee
Have a buyer comparing mortgage offers? Before they lock with another lender, send the loan estimate for a second look. We will review the competing offer and see whether Loan Factory can match or beat it.
If an eligible borrower closes with another lender for a lower combination of interest rate, fees, and monthly mortgage insurance, Loan Factory may send the borrower a $2,000 check, subject to program terms and restrictions.
For Realtors: This is a consumer-facing borrower program, not a Realtor referral fee.
📄 Loan Estimate Review
⚖️ Match or Beat Opportunity
💵 Borrower May Receive $2,000
🚫 Not Available in Washington. Loan Factory is not licensed in CT or NY.
How the Guarantee Works
A simple way to help buyers pressure-test another lender's offer before they commit.
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We Try to Match or Beat It
Loan Factory compares the interest rate, fees, and monthly mortgage insurance where applicable.
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The Borrower Wins
If the borrower closes with the other lender under eligible terms and submits the required final documents on time, Loan Factory may pay the borrower $2,000.
Realtors: This Gives Your Buyers a Reason to Pause Before Locking Elsewhere
When a buyer says they already have a lender, that does not have to end the conversation. This program gives you a professional reason to say, “Before you lock, let’s have the estimate reviewed.”
Protect the buyer
Help the buyer compare lender offers more confidently.
Keep the deal moving
A quick second look can reveal whether the current offer is truly competitive.
Add value
Give clients a practical resource without pressuring them or overselling.
What Buyers Should Send
To make a fair comparison, the competing offer needs to be clear and current.
- Official written Loan Estimate from the competing lender
- Loan type, term, purchase price, loan amount, rate, APR, fees, and mortgage insurance if applicable
- Any lock information if the borrower has already locked the competing offer
- Basic purchase timeline and target closing date
Best timing: Before the buyer locks, before they pay extra lender fees, and before they are too far into the transaction to make a change comfortably.
Program Notes & Restrictions
- Available in all states except Washington. Loan Factory is not licensed in CT or NY.
- Offer expires December 31, 2026.
- $2,000 Best Price Guarantee not offered on all loan types and is limited to fixed-rate Conventional Conforming loans (No Jumbo loans and No High Balance Loans), FHA, and VA loans. Exclude offers from the builder’s preferred lender and from Credit Unions. Guarantee is only offered on identical matching loan types and products offered by Loan Factory on loan amounts of $200,000 or higher. You will not be entitled to the $2,000 we guarantee if you choose to decline a superior price from Loan Factory that is made to you anytime after you lock with a competitor and before you close/sign final documents with that competitor.
- Borrower must follow the required timing and documentation rules, including final closing documentation if pursuing the $2,000 claim.
This is not a commitment to lend. All loans are subject to underwriting approval, investor guidelines, program availability, and Loan Factory's official terms and conditions. Official program URL: www.loanfactory.com/best-price-guarantee.
Want Me to Review a Scenario?
Send a quick note and, if available, upload a redacted PDF or JPG copy of the competing Loan Estimate for review.