Devise Financial Rate & Fee Guarantee

We guarantee to beat any written rate and fee structure, or pay you $500.

Best Rate and Fee Guarantee:

Devise Financial guarantees to provide the lowest interest rate (Annual Percentage Rate) and fees. For this guarantee, Devise Financial will compare all fees defined as closing costs.

In the event the applicant believes a competing lender has a lower Annual Percentage Rate and fees combination, the applicant must provide the competing lender's complete, system-generated Good Faith Estimate to Devise Financial. The competing lender's Good Faith Estimate must include the lender's name and must be dated the same day that Devise Financial provided an interest rate and fees quote. In the event that the Good Faith Estimate indicates a lower Annual Percentage Rate and fees combination for a loan program that is identical to the one that is being offered by Devise Financial, and Devise Financial has verified the accuracy of the competing lender's Annual Percentage Rate and fees, Devise Financial has the option of either beating the lender's fees by $50 or paying the applicant $500 (maximum $500 per loan). Devise Financial will pay the $500 once the borrower closes the loan with the competing lender and provides Devise Financial with a copy of the signed Note and final HUD-1 Settlement Statement.

Applicants must complete a credit application so that Devise Financial can assess credit worthiness in order to determine which loan program, interest rate and fees the applicants are most qualified for. Odd days interest, impounding escrow accounts are excluded. Lender comparison must be based on a first mortgage loan with the same terms and conditions.