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. We've thoroughly checked our competitors and know we have the best deal. With our advanced mortgage platform, we search through our 40+ top lenders to find you the lowest rates and fees.
How to Claim the $500 Guarantee
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. The quote must be submitted on the same day you receive it so we can compare under the same market conditions.
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.
Close and Get Paid
If Save Financial still cannot beat the locked offer, proceed to close your loan with the competitor. Upon receipt of your final Closing Disclosure showing the completed loan, we will issue your $500 check within 30 days.
Full Terms & Conditions
Phase 1 — The Comparison Process
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.)
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. Within one business day of locking, email us a complete, unaltered copy of the official Locked Loan Estimate (LE) from the competing lender.
Phase 2 — Program Restrictions & Eligibility
The Guarantee is designed to provide transparency on standard loan products. To qualify, the loan must meet the following criteria:
✅ Eligible Loan Types
- Fixed-Rate Conventional Conforming loans
- FHA loans
- VA loans
- Loans of $200,000 or higher
- Identical loan terms & products offered by Save Financial
⚠️ Excluded from Guarantee
- Jumbo loans
- High Balance loans
- Offers from a builder's preferred lender
- Offers from FDIC Banks
- Offers from Credit Unions
Contact & Submissions
To submit your competing loan estimate or to ask questions about the guarantee, contact our team:
📞 888-703-1840 (Call or Text, 24/7)
✉️ mike.basti@iloanca.com
🌐 www.iloanca.com
Save Financial, Inc. reserves the right to modify or terminate this guarantee at any time. All determinations of whether a competing offer qualifies under this guarantee are made solely by Save Financial, Inc.
Ready to Get Your Best Rate?
Submit your info and our team will compare 40+ lenders to find your lowest rate — backed by this written guarantee.
📞 888-703-1840