In today’s competitive real estate landscape, having a trusted mortgage partner can make all the difference for your clients. You want to provide your prospects with the best possible service, and we’re here to help you achieve that. With our unique approach and a powerful guarantee, we empower you to elevate your offerings and stand out from the crowd.

Let’s face it: buying a home is one of the most significant decisions your clients will ever make. They want to know that they can trust their mortgage process to be smooth, efficient, and stress-free. That’s where we come in. Our 21 Day Guarantee is not just a promise; it’s a commitment to make your clients’ mortgage experience as seamless as possible. By ensuring a close within 21 days of their application, we provide you with the peace of mind to focus on what you do best: selling homes.

The Guarantee:

That you (Borrower) will be able to sign your mortgage loan Closing Documents within 21 days after we have received a complete copy of the Purchase Contract.

How It Works:

• In order to accomplish this, Borrower(s) must respond to all requests for additional information and/or documentation (including Disclosures) within 24 hours (including weekends).
• Transaction must be a residential mortgage loan purchase transaction.
• Borrower must authorize the free "Equifax Employment Data Report".
• Appraisal must be ordered within 5 days of receiving the Purchase Contract.
• Rate must be locked within 10 days of receiving the Purchase Contract.
• This only applies to Conventional, FHA and VA loans.
• Note: For VA loans, appraisal must be ordered within 3 days.
• The "21 Day Purchase Guarantee" timeframe begins upon receipt of the pre-approved Borrower's completed application and executed purchase and sales agreement.
• Property must appraise at or above the sale price.
• Closing dates extended due to a delay in completion of new construction, and improvements or repairs made to an existing property, will invalidate this guarantee.
• Any alterations to the closing date documented in the original purchase agreement, or to the loan amount or loan terms by, or per request of, Borrower will invalidate the guarantee.
• This program is available for Vertical Investments Lending Group powered by Edge Home Finance's diamond status partnership with United Wholesale Mortgage loan products.

What’s Not Included:

• Holidays
• A low appraisal value (assuming it will take some additional time for Borrower and Seller to come to terms).
• Appraisals with “subject to” conditions that can’t be repaired in time. (A Final Inspection has to be performed by the appraiser to confirm the repairs were completed before the loan can be approved.)
• Jumbo loans, Down Payment Assistance loans, Non-QM loans, or loans that are being done with simultaneous seconds.
• Manufactured homes.

Penalty:

If you are not able to sign your Closing Documents within 21 days, and you have met the above conditions, we will mail you and your agent a check for $500 (after Closing)