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Our guarantee is simple: We will close you at or below the rate and terms provided in our good-faith estimate in conjunction with a rate lock or we will pay the difference*
This is our way of guaranteeing you that our good-faith estimate is exactly that: an estimate prepared based on honesty and good-faith. There are far too many advertisements and brokers that offer incredibly low rates only to raise them at a later date when you are fully committed and have little choice but to accept the new terms or walk away from the closing. We guarantee that will not happen with Mountain Valley Mortgage. We will close you at or below our good-faith estimate. It is that simple.
*We are not responsible and our warranty is void if our good-faith estimate is not associated with a rate lock or if conditions change that are not within our control. A number of factors can affect your final rate and terms including, but not limited to, your failure to fully disclose information requested, your lack of knowledge of conditions surrounding your present mortgage (such as pre-payment penalties), things you do that may affect your credit score, or change your debt to income ratio. In addition, factors such as a lower than expected appraised home value may affect the terms and conditions of your loan.
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