Find a better deal? We’ll pay you $2,000.

Close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance — and we’ll send you a $2,000 check. Simple as that.

Get your quoteWe’ve never had to pay it out

$2,000

Best Price Guarantee

Beat us, and the check is yours.

Why we can promise it

By independently shopping the nation’s premier lenders, using our volume discounts as a broker, and making less on each loan, we deliver pricing most lenders simply can’t match.

We shop, we don’t sell

As an independent broker we compare 230+ wholesale lenders instead of pushing one bank’s product.

Wholesale volume discounts

Our volume unlocks pricing tiers a single retail lender can’t access — and we pass the savings on.

We earn less per loan

A low-cost model means lower rates and fees. We make it up on volume, not on your loan.

How to claim it

Three steps, one honest comparison

Bring us a written quote

Give us an official, itemized loan estimate from any lender the same day you receive it — rate, fees, and mortgage insurance.

We try to beat it

We shop our network the same day to find you a lower total cost on the exact same loan and review it with you.

If we can’t, you get paid

Close with them, send us the final signed closing disclosure, and we mail you a $2,000 check within 30 days.

Terms & conditions

Offered on identical, matching loan types and products on loan amounts of $200,000 or higher.

Limited to fixed-rate Conventional Conforming loans (no Jumbo or High Balance), FHA, and VA loans.

Excludes offers from a builder’s preferred lender and from credit unions.

The comparison must be apples-to-apples: same rate, fees, and monthly mortgage insurance across the original quote, locked loan estimate, and final closing disclosure.

You must provide the competitor quote the day you receive it and obtain a written Loan Factory quote the same day.

If Loan Factory offers superior pricing before you close and you decline it, you are not eligible for the $2,000.

If all documents match and every requirement is met, we send your $2,000 check within 30 days of closing.

Loan Factory, Inc. NMLS #320841. Equal Housing Lender. This is a summary of the guarantee terms; full terms govern. Not a commitment to lend.