We Will Beat Any Rate Or Give You $500

Mortgage Tree Capital guarantees that it will beat your Mortgage Broker’s deal. 

Submit a competing offer from a Mortgage Tree Capital in the form of a Good Faith Estimate dated within 10 days of the date that you present the competing offer to Mortgage Tree Capital. The offer must show the loan amount, interest rate, margin, caps, term, origination and discount points, and all Lender, Broker and third party fees.

Apply for the identical loan with Mortgage Tree Capital. Mortgage Tree Capital will run your credit report, pre-qualify your application and make an offer to you. If we beat the Broker’s offer (and we will), you must lock your rate with Mortgage Tree Capital and put your application into process to guarantee your rate.  

Terms and Conditions
1. The subject property must be located in the State of California.
2. The offer applies only for Applicants with a qualifying FICO scores 
3. The competing offer must come from the California Department of Real Estate Licensed Mortgage Finance Lender or Broker.
4. The competing offer must be dated within ten days of the date of submission to Mortgage Tree Capital.
5. Only one competing offer per applicant.
6. The competing offer must be on a first mortgage loan product offered by Mortgage Tree Capital on the date of submission.
7. If you close your loan with the Mortgage Broker, your loan application must close within 21 days of submitting the qualifying offer to Mortgage Tree Capital. The terms of the transaction must be identical to the terms submitted to Mortgage Tree Capital as the competing offer.
8. Your application with Mortgage Tree Capital is subject to income and employment verification, a satisfactory title report, appraisal and Underwriting approval. The appraised value must be the same or higher than the value estimated provided on the loan application. Certain restrictions may apply for VA and FHA loans and subject to review.