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ما فارسی هم صحبت میکنیم
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We Match or Beat Any Lender At Save Financial, Inc, we don’t just promise great terms—we guarantee them. Bring us a locked loan estimate from any competitor. If we cannot beat their combination of interest rate, lender fees, and monthly mortgage insurance, we will pay you $500. It’s our way of ensuring you always get the best mortgage deal available.
How to Claim the Save Financial $500 Guarantee
Step 1: Submit Your Loan Estimate Send us your current official Loan Estimate from any competing lender. We will review the numbers to see if we can offer a lower combination of rates and fees.
Step 2: The “Same-Day” Rate Lock Comparison If our initial offer doesn’t beat theirs, proceed to lock your rate with the competitor. You must share that locked Loan Estimate with us on the same day it is issued so we can attempt to match or beat it under the exact same market conditions.
Step 3: Close and Get Paid If Save Financial, Incorporated still cannot beat the locked offer, proceed to close your loan with the competitor. Simply provide us with your Final Closing Disclosure (CD) within 10 days of funding, and we will send you a $500 check.
Mortgage Rates
Mortgage Rates
Save Financial confidently offers our $500 Best Rate & Fees Guarantee. We’ve thoroughly checked our competitors and know we have the best deal. With our advanced mortgage platform, we search through our top lenders to find you the lowest rates and fees. We simply earn less on each loan. While we might make less on individual deals, we make up for it by doing more loans. Our special low-cost approach sets us apart from other lenders, which is why we’re proud to offer our $500 Best Rate & Fees Guarantee. Other banks, credit unions, and mortgage companies won’t promise the lowest rates and fees because they know they don’t have them.
Save Financial, Incorporated is committed to transparency. If you close a loan with any other lender for a lower combination of interest rate, fees, and monthly mortgage insurance—and we cannot match or beat it—we will send you a $500 check.
To ensure a fair, “apples-to-apples” comparison, the following terms and conditions apply.
1. Official Quote Comparison You must provide an official, detailed, written quote from a competing lender. This document must be submitted to Save Financial on the same day you receive it so we can compare under the same market conditions.
The quote must clearly show:
Lender Name and Quote Date
Loan Type, Term, and Loan Amount
Purchase Price / Property Value
Interest Rate & APR
Monthly Mortgage Insurance (if applicable)
All Lender Fees, Discount Points, and Lender Credits/Rebates
All Third-Party Charges (Appraisal, Credit Report, Title Fees, etc.)
2. Rate Lock Verification If our initial review shows we cannot beat the quote, you must inform us that you are proceeding with the competitor and lock your rate on that same day.
Submission: Within one business day of locking, email us a complete, unaltered copy of the official Locked Loan Estimate (LE) from the competitor.
Verification: The Locked LE must match the fees sheet or preliminary estimate previously provided. It must clearly show the lock expiration date, rate, points/credits, and loan terms.
3. Superior Pricing & The “Beat” Clause If Save Financial is able to provide a better deal (a lower combination of rate, fees, and MI) after you lock with a competitor but before you close, and you choose not to accept our superior offer, you are not eligible for the $500 guarantee.
4. Closing Documentation & Payment If we confirm we are unable to beat the competitor’s locked offer, proceed to close the loan with them.
Documentation: You must provide Save Financial with a complete, unaltered copy of your final signed Closing Disclosure (CD) and the Promissory Note from your closing package.
Timeline: These documents must be sent within 10 business days of your closing/disbursement date.
Payment: If the final terms match the original competitor quote/Locked LE, and confirm the lower combination of rate and fees, Save Financial, Incorporated will mail your $500 check within 30 days of verification.
The Guarantee is designed to provide transparency on standard loan products. To qualify, the loan must meet the following criteria:
Eligible Loan Types: Valid only for Fixed-Rate Conventional Conforming loans, FHA loans, and VA loans.
Minimum Loan Amount: Valid only for loans of $200,000 or higher.
Product Matching: The guarantee applies only to identical loan terms and products that are currently offered by Save Financial, Incorporated.
Excluded Loan Types: We do not offer this guarantee on Jumbo loans or High Balance loans.
Excluded Competitors: We do not match offers from a builder’s preferred lender or from Credit Unions.
Fill out this quick form to receive a personalized loan rate in just 24 hours.