Your satisfaction is of the utmost importance to us at Home Sweet Loans and, therefore, we offer this unprecedented money-back guarantee. If at any time you are unsatisfied with any of the following services at Home Sweet Loans, you need only notify us in writing and we will promptly refund your application fee. You see, we feel that you should be COMPLETELY satisfied or you should not pay a dime. We stand behind our service, rates, and costs so you can sleep well knowing you have made the most intelligent mortgage decision. We will:

• Review your present situation completely to determine which of the hundreds of mortgage programs are best for you.
• Determine a fair rate for your given loan program and credit situation AND give you the option to lock in that interest rate or “float” it. If you choose to lock that interest rate, we will GUARANTEE that interest rate at closing unless your credit situation changes during the application. This includes, but is not limited to, undisclosed poor credit, change of program (due to the undisclosed problems such as a loss of job or misleading documents), denial by the lender through whom we have locked the loan, delay in your loan closing due to factors beyond the control of Home Sweet Loans, that goes past the Lock-In period, etc. However, we cannot guarantee the interest rate if you choose to “float” (not lock) it. As always, the choice of when to lock the interest rate is yours and we cannot guarantee what the market will do -- nor can we promise today’s rate tomorrow. We will always strive to do the best job for you!
• Prepare a Good Faith Estimate of the closing costs and GUARANTEE that your actual costs- excluding title company/closing attorney costs- will be within 5% or we will cover the difference. This applies to actual costs only and does not include escrows and prepaid items. Since we do not choose the Title Company or Closing Attorney on purchase transactions, we cannot guarantee what their costs will be. We will guarantee closing costs on refinance transactions where we choose the title company! The industry standard is between 10% and 25% variance, so you can see that we truly do stand behind what we quote you.
• Give you a complete list of any documentation that you may be missing to process your loan as quickly as possible.
• Explain the entire mortgage process to you so you completely understand what to expect all the way through closing.
• Update you weekly on the process of your loan so you are always up to date on what is going on. This gives you the opportunity to have all your questions answered once a week by your own personal Home Sweet Loans Specialist.
• Review your closing statement with you prior to closing so you can feel comfortable and relaxed at the closing.

No one else in the industry stands behind their products like this and we are proud to add you to the growing list of happy, satisfied customers of Home Sweet Loans.

We ask only one thing of you. Referrals are the lifeline of our business and, therefore we request that you refer at least 2 people to us during your time in process with us. They will receive the same exceptional service and, of course, the same guarantee!