| 1.925.684.9720 |
| Equal Housing Opportunity All Rights Reserved © 2007 Aim With Focus, Inc. |
 | |  | |  | |  | |  | |  | |  |
| 1.925.684.9720 |
| We Can't Help Unless You Call! |
Step 2
Once you are eligible, you may present us with a timely offer from a competing lender. This offer must be for the
same loan product as the loan for which you applied with Focus Home Loan Solutions, and the combination of
points/rebate and lender/broker fees must be at least $500 lower than those for the same rate offered by Focus
Home Loan Solutions. We must receive the competing offer by noon Pacific Time, so we have a chance to
match or beat the competing offer that same day.
Step 3
On the same day we receive the competing offer, we will let you know if Focus Home Loan Solutions will match
or beat the competing offer. If Focus Home Loan Solutions does match or beat the offer, you must lock your
interest rate with Focus Home Loan Solutions that day. If Focus Home Loan Solutions is unable to match or
beat the offer and you close your loan with the competing lender according to the terms of their offer, we'll give
you $500 once Focus Home Loan Solutions confirms those terms.
Additional Eligibility Requirements and Conditions:
• Applicants who have already locked their rate with Focus Home
Loan Solutions are not eligible for the $500 payment.
• Our Low Cost Guarantee only applies to fixed-rate, first mortgage
loans for the purchase or refinance of a 1- to 4-unit dwelling.
• Competing offers must be:
Once you are eligible, you may present us with a timely offer from a competing lender. This offer must be for the
same loan product as the loan for which you applied with Focus Home Loan Solutions, and the combination of
points/rebate and lender/broker fees must be at least $500 lower than those for the same rate offered by Focus
Home Loan Solutions. We must receive the competing offer by noon Pacific Time, so we have a chance to
match or beat the competing offer that same day.
Step 3
On the same day we receive the competing offer, we will let you know if Focus Home Loan Solutions will match
or beat the competing offer. If Focus Home Loan Solutions does match or beat the offer, you must lock your
interest rate with Focus Home Loan Solutions that day. If Focus Home Loan Solutions is unable to match or
beat the offer and you close your loan with the competing lender according to the terms of their offer, we'll give
you $500 once Focus Home Loan Solutions confirms those terms.
Additional Eligibility Requirements and Conditions:
• Applicants who have already locked their rate with Focus Home
Loan Solutions are not eligible for the $500 payment.
• Our Low Cost Guarantee only applies to fixed-rate, first mortgage
loans for the purchase or refinance of a 1- to 4-unit dwelling.
• Competing offers must be:
Guaranteed Rate & Pricing or We'll Pay You $500
Step 1
Apply with Focus Home Loan Solutions for a first mortgage loan to purchase or refinance a
residence. As long as your interest rate is still unlocked, you are eligible for the low cost
guarantee once your loan has been conditionally approved, including a review of your title and
appraisal reports, subject to the eligibility requirements below.
Apply with Focus Home Loan Solutions for a first mortgage loan to purchase or refinance a
residence. As long as your interest rate is still unlocked, you are eligible for the low cost
guarantee once your loan has been conditionally approved, including a review of your title and
appraisal reports, subject to the eligibility requirements below.
1. In the form of a good faith estimate or a letter from a competing lender (on the lender's letterhead)
confirming the rate and terms of a similar loan, dated the same day you present the competing offer to Focus
Home Loan Solutions. The good faith estimate or letter must show the interest rate, discount points or rebate,
and all origination fees and other lender and/or broker fees.
2. For the same loan program for which you have been approved by Focus Home Loan Solutions.
3. For the same interest rate as the loan for which you have been approved by Focus Home Loan Solutions.
4. Your Focus Home Loan Solutions loan application must be approved, and all approval conditions must be
met.
5. You must be prepared to lock your interest rate with Focus Home Loan Solutions if Focus Home Loan
Solutions chooses to match the competing offer.
6. Third-party and government fees and costs will not be considered in comparing competing offers.
7. Only one competing offer may be presented per eligible application.
8. Once you close your loan with the competing lender, you must provide Focus Home Loan Solutions with a
final HUD1 Settlement Statement and copy of the Promissory Note as proof that you closed according to the
terms quoted in the competing offer.
9. Relocation customers are not eligible for the Low Cost Guarantee.
10. Home Equity Lines of Credit, FHA and VA are NOT eligible for the Low Cost Guarantee
confirming the rate and terms of a similar loan, dated the same day you present the competing offer to Focus
Home Loan Solutions. The good faith estimate or letter must show the interest rate, discount points or rebate,
and all origination fees and other lender and/or broker fees.
2. For the same loan program for which you have been approved by Focus Home Loan Solutions.
3. For the same interest rate as the loan for which you have been approved by Focus Home Loan Solutions.
4. Your Focus Home Loan Solutions loan application must be approved, and all approval conditions must be
met.
5. You must be prepared to lock your interest rate with Focus Home Loan Solutions if Focus Home Loan
Solutions chooses to match the competing offer.
6. Third-party and government fees and costs will not be considered in comparing competing offers.
7. Only one competing offer may be presented per eligible application.
8. Once you close your loan with the competing lender, you must provide Focus Home Loan Solutions with a
final HUD1 Settlement Statement and copy of the Promissory Note as proof that you closed according to the
terms quoted in the competing offer.
9. Relocation customers are not eligible for the Low Cost Guarantee.
10. Home Equity Lines of Credit, FHA and VA are NOT eligible for the Low Cost Guarantee
| Privacy | Glossary | About Us | Contact Us | Calculators | Credit Issues | FAQ | Secure Application | Loan Process |
| Focus Home Loan Solutions a division of Aim With Focus, Inc. |
Office Hours | Monday ~ Friday 9:00 to 8:00 PST Sat ~ Sun 10:00 to 6:00 | Email 24/7 |