$1,000 LOWEST RATE GUARANTEE
Get a free mortgage offer double check
Upload a picture/terms (Loan estimate) and we'll let you know if we can get you a better deal
This is a FREE service. There's no obligation, and it takes less than 30 seconds to submit. You could save hundreds of thousands of dollars by our 2nd opinion! and if not we will write you a 1,000 check*
IF you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance - we'll send you a $1,000 check.
Step 1: Provide us with a Loan Estimate so that we can compare
Step 2: If we are unable to offer a better deal, you will proceed to lock rate and share the locked LE (on the same date) for us to try and beat.
Step 3: If we are still unable to beat the offer, you proceed to close with the competitor. After closing, please show us the Final Closing Disclosure and Circle Home Loans will pay you with $1,000.
Circle Home Loans stands unafraid to offer our Circle Home Loans $1,000 Lowest Rate & Fees Guarantee.
We’ve done our homework and regularly shop the competition. With the most advanced mortgage technology platform, we compare rates and fees across our premier network of wholesale lenders to ensure you receive the absolute best deal.
In addition, we simply make less on every loan. What we lose in margin, we make up for in volume. Our unique, low-cost business model is something other lenders simply can’t compete with.
These are the reasons we confidently offer our $1,000 Lowest Rate & Fees Guarantee. Other banks, credit unions, and mortgage companies won’t guarantee the lowest rates and fees—because they don’t have them, and they know it.
No login or SSN required. This will NOT affect your credit, and it takes less than 30 seconds to complete!
IMPORTANT PRIVACY NOTICE: YOUR INFORMATION WILL NOT BE SOLD.
Most online mortgage shopping experiences sell the information they collect to multiple mortgage lenders, banks, and other institutions.
We don't. You’ll get connected with a top Mortgage Advisor that’s licensed in your market, and YOU can decide the next steps from there.re
Terms and Conditions
If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance — we’ll send you a
$1,000 check. Here are the conditions you must meet to ensure you’re getting a true apples-to-apples comparison, and everyone is playing on the same honest, transparent playing field:
Circle Home Loans $1,000 Lowest Rate & Fees Guarantee
1. Provide Us an Official, Detailed, Written Competitor’s Quote:
To qualify, you must provide an official, detailed, written competitor’s quote. The quote must include: the lender’s name, the date of the quote, loan type, term, purchase price/property value, loan amount, interest rate, monthly mortgage insurance amount (if applicable), exact amounts for all lender fees, discount points, lender credits/rebates, and all third-party charges for appraisal, credit report, and title company fees.
Submit the competitor’s quote the day you receive it, then obtain a written quote from us on the same day. You must allow us to go over the quotes with you on the phone. Remember, interest rates can change daily—sometimes multiple times a day—when the market is volatile. Therefore, it is crucial to compare quotes on the same day to ensure a true and fair apples-to-apples comparison.
2. Rate Lock:
Inform us that you’re choosing the other lender and lock your rate the same day you obtain written quotes from both Circle Home Loans and your chosen lender. Within 48 hours (two business days) of locking your rate, email us a complete, unaltered copy of the official locked rate Loan Estimate (LE) provided by the other lender.
The locked LE must include:
The lender’s name
The date
The interest rate and APR
The loan type and term
Any applicable mortgage insurance amounts
Lock length
Any points/costs or rebates/credits for the chosen interest rate
The locked LE must match the fees sheet or preliminary loan estimate initially provided to us.
3. Closing:
Within 48 hours (two business days) of closing your loan, send us the following documents:
A complete, unaltered, final signed Closing Disclosure (CD)The “NOTE” from your closing documents
These documents must match the original written quote, as well as the locked Loan Estimate you provided us. This confirms the lender delivered exactly what they quoted and that it was indeed a lower combination of interest rate, fees, and monthly mortgage insurance (if applicable).
4. Superior Pricing and Claiming Your $1,000:
If we offer you a better price after you lock with a competitor and before the day you close, and you choose not to accept our superior pricing, you will not qualify for the $1,000 lowest rate guarantee.
If we cannot provide a better price before your competitor's loan closes, and all the following match:
The original detailed quote
The official locked Loan Estimate
The final signed Closing Disclosure and Note
…and you meet all terms and requirements above, we will send you a check for $1,000 within 30 days.
Why Choose Circle Home Loans?
The mortgage industry is filled with smoke-and-mirrors tactics used by lenders who cannot deliver the lowest rates and fees. At
Circle Home Loans
, we prioritize honesty, transparency, and savings for our clients. By independently shopping the nation’s premier lenders, leveraging volume discounts, and maintaining a low-margin business model, we deliver tremendous savings to you.
It’s mortgage lending done right!
Restrictions
$1,000 lowest rate guarantee not offered on all loan types and is limited to fixed-rate Conventional Conforming loans (No Jumbo loans and No High Balance Loans), FHA, and VA loans. Exclude offers from the builder’s preferred lender. Guarantee is only offered on identical matching loan types and products offered by Circle Home Loans on loan amounts of $200,000 or higher. You will not be entitled to the $1,000 we guarantee if you choose to decline a superior price from Barrett Financial that is made to you anytime after you lock with a competitor and before you close/sign final documents with that competitor.
Circle Home Loans LLC. is a DBA of Priority One Lending LLC. a Equal Housing Lender
Corporate Headquarters: 38701 W. Seven Mile Rd. Suite 290 Livonia, MI 48152
Corporate Phone:
(629) 276-5007
Email:
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call for details and qualifying information.
"you're approved" language is for illustrative purposes only. Dependent on Priority 1's criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify.
Free Refi for life: Terms and Conditions
This offer applies exclusively to first lien mortgage loans originated by Circle Home Loans and does not include subordinate, simultaneous, or HELOC closings. It excludes Brokered loans and Reverse mortgages.
The offer covers Circle Home Loans' retained fees such as origination, underwriting, processing, and administrative fees. It does not apply to discount points or third-party settlement service fees, including but not limited to Title, Settlement, Appraisal, Credit Report, Commissions, or similar fees.
Eligibility requires that the customer must have closed a previous first-lien refinance transaction on or after September 1, 2024, with Circle Home Loans and at least six (6) months prior to any subsequent application. Please note that refinancing your existing loan may increase your total finance charges over the life of the loan.
All applications are subject to underwriting and credit approval. Additional conditions or restrictions may apply. Please contact us for complete details. This offer is available only through the Direct-to-Consumer Division of Circle Home Loans, a division of Priority 1 Lending, LLC, located at 38701 W. Seven Mile Rd, Suite 290, Livonia, MI 48152, NMLS # 1375378.
This offer is not available for consumers in Washington State.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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EQUAL HOUSING OPPORTUNITY NMLS ID #1375378 Copyright ©️ 2025 Circle Home Loans, LLC. All rights reserved.