Radio Rate Disclosure

Term and Conditions
1. This rate match mortgage guarantee is limited to FHA and conventional, conforming, first lien, mortgage loan products. The loan products being compared must be for the same product and term. If the loan product is an adjustable rate product, the initial rate, rate index, time of rate adjustment and rate cap must also be the same as for the product you are requesting from Main Street Home Loans. The interest rates being compared must be for the same lock in term.  Interest rates are volatile and change throughout the business day, so time is of the essence when comparing interest rates from different lenders.
2. This rate match mortgage guarantee is contingent on you providing the information necessary for Main Street Home Loans to make a credit underwriting decision and provide you with a customized interest rate quote and approval.
3. If you shop a competing lender, you are required to provide Main Street Home Loans with the competing lender's Good Faith Estimate and Truth in Lending Act disclosure. Both documents from the competing lender must be dated the same day as the request to Main Street Home Loans to match the other lender's Rate.
4. All documentation relating to this guarantee must be in writing, and must be faxed to 1-678-808-2433, Attention: Rate Match Mortgage Guarantee. You must provide a telephone number at which you can be reached. We will contact you within 48 business hours of receiving our fax.
5. We reserve the right to verify that the competing lender's interest rate and points/fees quote is bona fide.
6. In the event Main Street Home Loans elects not to match the competing lender's offer, you will be sent a claim form, which you will need to return to Main Street Home Loans after you have closed your loan with the competing lender. Your Gift Card will be sent to you after we have verified that the loan was closed with the competing lender under the terms and conditions originally submitted to Main Street Home Loans. The claims process is detailed below.
7. The guarantee is void if the loan terms or conditions of the original loan approval change prior to closing.
8. This offer of guarantee may be withdrawn at any time without notice. Claims in process at the time of withdrawal, will however, be processed.
9. This offer does not apply to:
a. Loans involving modifications/assumptions.
b. Loans with pre-payment penalties.
c. Loans to employees of competing lenders and/or affiliates of competing lenders.
d. Loans subject to special incentives or credits due to employee relocation programs or similar employee programs.

Claim Process
If you have any questions regarding the Rate Match Mortgage Guarantee Claims Process, you may contact Main Street Home Loans 678-808-2422.

1. If we are not able to match a competing lender's offer, we’ll send you a completed claim form with terms and conditions, which must be returned to us after closing your loan with a competing lender. You must provide your final Truth in Lending Act disclosure and HUD-1 Settlement Statements signed by the closing agent as part of your claim for the Rate Match Mortgage Guarantee.
2. You have to file your claim for the Rate Match Mortgage Guarantee within 30 days of closing your loan with a competing lender. The following documents must be included in your claim request:
a. A copy of the completed claim form sent to you by Main Street Home Loans on the date we elected not to "match" a competing lender's offer.
b. A certified copy of the final Truth in Lending Act disclosure from the competing lender.
c. A certified copy of the HUD-1 Settlement Statement signed by the closing agent.
3. If the final Truth in Lending Act disclosure and HUD-1 Settlement Statement are accurate and prove that the loan closed with the product and terms previously quoted by the competing lender, we’ll send you the gift card within 30 days of receiving your claim form.
4. Mail your claim documents to: Main Street Home Loans, Attention: Rate Match Mortgage Guarantee, 11675 Great Oaks Way, STE 144, Alpharetta, GA 30022.
5. All communications relating to the claim must be in writing.
6. We will not be responsible for system failures, website downtime, undelivered mail, or any technical malfunctions that prevent your information from reaching Main Street Home Loans.
7. We will make all determinations and decisions as to eligibility and qualification for payment of this guarantee. All Main Street Home Loans decisions are final.