Your satisfaction is of the utmost importance to me. I offer this unprecedented money-back guarantee. If at any time you are unsatisfied with any of the following services, you need only notify me in writing. You see, I feel that you should be completely satisfied or you should not have to pay. I stand behind my service, rates and costs so you can sleep easy, knowing that you have made an informed decision. I will:

1. Perform an analysis of your present situation to determine which of the hundreds of available programs are best for you

2. Determine a rate and program to fit your needs and credit profile. You will be given an option to lock in the rate, or “float.” If you choose to lock that interest rate, I will guarantee that interest rate at closing unless your credit situation changes during the application period. This includes, but is not limited to, undisclosed poor credit, change of program (due to undisclosed problems such as loss of job or misleading documentation), denial by the lender through whom we have locked the loan, delays in your loan closing due to factors beyond my control including, but not limited to delays in receiving (from you) required documentation for final approval. Keep in mind that I cannot guarantee what the market will do nor can I promise today’s rate tomorrow. I will always strive to do the best job for you!

3. Prepare a Good Faith Estimate of the closing cost and guarantee that your actual costs (excluding 3rd party costs such as Title Co, Appraisal Co, etc) will be within 5% or I will cover the difference. This applies to actual costs only and does not include escrows and prepaid items. Since I do not choose the Title Company or the Closing Agent on purchase transactions, I cannot guarantee what their costs might be. I will guarantee closing costs on refinance transactions where I choose the title company. The industry standard is between 10% and 25% variance, so you can see that I truly stand behind what I quote.

4. Give you a complete list of any documentation that you may be missing in order to process your loan as quickly as possible.

5. Explain the entire mortgage process to you so that you understand what to expect as you move forward.

6. Keep you updated as to the status of your loan. This will give you an opportunity to have additional questions answered on a weekly basis.

7. Review your closing statement with you prior to closing so that you will feel comfortable and relaxed throughout the closing.

As you can see, I go above and beyond to stand behind my services. I look forward to adding you to the list of happy, satisfied customers of Jason Lash and Family First Mortgage Corporation.