Terms And Conditions

  1. Offer is only to customers who do not have a rate lock with Pinnacle Real Estate Advisor Home Loans in the sixty (60) days prior to the date of the presented loan estimate from another lender.
  2. "At least $1,000 better for the same rate and terms” refers to the Pinnacle Loan Estimate being at least $1,000 less in closing costs at the same rate and for the same loan terms, excluding property taxes and insurance (the fees listed in Sections E through H on your Loan Estimate), as the closing costs on the Loan Estimate from the other Lender. For purchase transactions using the seller’s title company, comparisons will also exclude title fees.
  3. Offer valid on conventional 30/15yr & FHA 30/15yr loans.
  4. Pinnacle Real Estate Advisor Home Loans may, in its sole discretion, accept LE proxies (e.g., rate sheets from other lenders) provided the rate and terms from the competitive lender are readily available to the general public.
  5. The Loan Estimate must be dated within 3 business days from its date of submission to Pinnacle Real Estate Advisor Home Loans.
  6. Offer is only valid in the state of Missouri where Pinnacle Real Estate Advisor Home Loans is currently originating loans. It includes all single-family residences, condominiums and PUDs.
  7. Offer is not available for loans originated by Pinnacle Real Estate Advisor Home Loans within 6 months of funding date.
  8. To claim offer proceeds borrower must (1) fund their loan with lender that Pinnacle Real Estate Advisor Home Loans could not beat by $1,000 in closing costs using the same LE presented to Pinnacle Real Estate Advisor Home Loans to initiate this promotion; and (2) present closing disclosure and final note from funded loan within thirty (30) days of closing.
  9. Amounts on the Loan Estimate may still vary within regulatory tolerances from the closing disclosure based on findings in underwriting, and all loans are subject to credit approval.
  10. Offer cannot be combined with any other promotion. Offer is invalid if the borrower submits an LE from a lender with a rate that is not publicly available (e.g., requiring a minimum amount of assets under management). Each borrower may only take advantage of this offer once per loan application.
  11. Pinnacle Real Estate Advisor Home Loans reserves the right to rescind or modify the terms of this offer without prior notice.
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