最优惠房价保证

At 德克萨斯理工信用社, we strive to offer you a better mortgage at your best possible 率. 事实上, if you qualify for a better 率 on a similar mortgage with another licensed lender, 我们付你1美元,000. “类似按揭”是什么意思? The mortgage must be for a first lien purchase or refinance of a primary or secondary residence, 相同的属性, 贷款用途, 术语, 贷款金额, with the same or lower closing costs.

To receive your competitive 率 adjustment, you must provide 德克萨斯理工信用社 抵押贷款 a copy of the competitor's Loan Estimate, 费率锁定协议, 还有房产的文件, 目的, 率, 术语, 贷款金额, 结案费用.

资格的细节

The 最优惠房价保证 applies to 德克萨斯理工信用社 fixed-率 mortgage applications. When compared to another lender's Loan Estimate and 费率锁定协议, our mortgage will have the best 率, 或者我们付给你1美元,000.

Our mortgage and the competitor's mortgage must be on a first lien purchase or refinance of a primary or secondary residence, 包括但不限于, 相同的属性, 贷款用途, 术语, 折扣点, 贷款金额, with the same or lower closing costs. 某些例外情况可能适用. The 最优惠房价保证 applies to first lien products only and does not apply to second lien products.  

最优费率保证是如何工作的?

You must apply and qualify with 德克萨斯理工信用社. If you find a lower qualifying 率 within 3 calendar days of locking your 率, you must provide proof of a lower 率 (that you also qualify for) on a similar mortgage (same primary property, 贷款用途, 术语, 贷款金额 and same or lower costs). To receive the competitive 率 adjustment, you must provide 德克萨斯理工信用社 抵押贷款 the competitive mortgage Loan Estimate and 费率锁定协议 within 3 calendar days. Competitor Loan Estimate and 费率锁定协议 must be dated within three days of the 德克萨斯理工信用社 抵押贷款 application. 德克萨斯理工信用社 reserves the right to verify that the other lender's offer is accu率.

If 德克萨斯理工信用社 is unable to provide you with the best mortgage 率 and you close the loan with the competing lender on the quoted 术语s presented, 德克萨斯理工信用社 抵押贷款 will pay you $1,000. 才有资格得到那1美元,000, you must provide 德克萨斯理工信用社 a copy of the Final Closing Disclosure and Promissory Note with identical 术语s provided in the Initial Loan Estimate and 费率锁定协议 within 15 calendar days of your closing date. The documents must be accu率 and disclose that the loan closed on the 术语s and conditions, including 率 lock expiration period, as previously disclosed in the Loan Estimate and 费率锁定协议, 以及产品相似性的证明. 德克萨斯理工信用社, 自行决定, will make all de术语inations of eligibility and qualification for payment of this 最优惠房价保证. The 最优惠房价保证 is subject to revision or revocation by 德克萨斯理工信用社 at any time without notice. 德克萨斯理工信用社 is not responsible for system failures, communication problems or connection and server problems, 天然的或人造的, 失败的, incomplete or delayed transmissions, technical malfunctions of telephone networks, 计算机设备, 系统或软件, computer time and date stamp mechanism, 或者它们的任何组合, or other unforeseeable events beyond the control of 德克萨斯理工信用社.  Once your final closing documentation has been reviewed and approved, 德克萨斯理工信用社 will pay you $1,000 within 30 days of verifying eligibility. Recipient is solely responsible for any personal tax liability arising out of this incentive.

德克萨斯理工信用社’s own mortgage 率 cannot be considered a competitive 率 during the three-day guarantee period. 最优惠房价保证 excludes all second-lien loans. 最优惠房价保证 cannot be combined with any other 德克萨斯理工信用社 offer and may only be exercised once on your 德克萨斯理工信用社 mortgage application.