If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance – we’ll send you a $1,000 check.
  • Step 1: Provide us with a Loan Estimate so that we can compare
  • Step 2: If we are unable to offer a better deal, you will proceed to lock rate and share the locked LE (on the same date) for us to try and beat.
  • Step 3: If we are still unable to beat the offer, you proceed to close with the competitor. After closing, please show us the Final Closing Disclosure and Loan Factory will pay you with $1,000.

Absolutely! AmeriBlueHomes Mortgage’s offer is designed to ensure that their customers get the best possible deal on their mortgages. By providing a Loan Estimate from another lender, borrowers give AmeriBlueHomes Mortgage the opportunity to compare rates and fees. If AmeriBlueHomes Mortgage can’t beat the offer, borrowers have the option to lock in the rate with the competitor and share that information with AmeriBlueHomes Mortgage. Even if AmeriBlueHomes Mortgage still can’t offer a better deal, customers can proceed with the competitor and, upon closing, show Loan Factory the Final Closing Disclosure to receive a $1,000 check.

AmeriBlueHomes Mortgage emphasis on advanced technology and a unique, low-cost business model underscores their commitment to providing competitive rates and fees. This $1,000 guarantee reflects their confidence in their ability to deliver the lowest combination of rate and fees for their customers. It’s a compelling offer for anyone in the market for a mortgage.

Loan Estimate

Terms and Conditions

If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance, we’ll send you a $1,000 check. Here are the conditions:

  1. Quote: Provide us with an official, detailed, written competitor’s quote showing lender’s name, date, loan type, term, purchase price/property value, loan amount, interest rate, monthly mortgage insurance amount (if applicable), exact amounts for all lender fees, discount points, lender credits/rebates, and exact amounts for all third-party charges for appraisal, credit report, and title company fees. Always compare quotes on the exact same day.

  2. Rate Lock: Inform us you’re going with the other lender and lock your rate the same day you get the written quotes from both AmeriBlueHomes and your chosen lender. Within 48 hours, email us an unaltered copy of your official locked rate Loan Estimate (LE).

  3. Closing: Within 48 hours of closing your loan, provide us your complete, unaltered final, signed Closing Disclosure (CD) and the “NOTE” from your closing documents. Documents must exactly match the original written quote and locked loan estimate.

  4. Superior Pricing and Claiming Your $1,000: If we provide you with a better price before you close with a competitor, and you choose not to proceed with our pricing, you won’t be eligible for the $1,000 guarantee. If we’re unable to provide a better price before you close with a competitor, and you’ve met the above terms, we’ll send you a $1,000 check within 30 days.


  • $1,000 guarantee not offered on all loan types.
  • Limited to fixed-rate Conventional Conforming loans, FHA, and VA loans.
  • Guarantee is only offered on identical matching loan types and products.
  • Exclude offers from the builder’s preferred lender.
  • Offered on loan amounts of $200,000 or higher.
  • Not entitled to the $1,000 guarantee if you decline a superior price from AmeriBlueHomes after locking with a competitor.

This form clarifies the process for customers and ensures they understand the terms and conditions of the $1,000 lowest rate guarantee.