Our Guarantee:

CrossCountry Mortgage, Inc. guarantees that we will close your loan based on our pre-approval date or we will pay the seller $20,000*.

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Guarantee is void where prohibited. Guarantee terms apply to the loan set forth on the pre-approval letter referenced above and is good for a onetime payment only. If the loan is not closed, payment will be made to the seller within 15 days of the contract expiration date. In order to qualify for this guarantee, all of the following conditions must be met:

• All conditions listed in your pre-approval letter must be met.

• The loan must close by the expiration date listed on the pre-approval letter, or the borrower must qualify for an extension and the loan must close by the extended expiration date.

• This guarantee is not valid if borrower or seller chooses not to close this loan or if the delay is caused in whole or in part by reasons beyond CrossCountry Mortgage, Inc.’s control.

All loans subject to underwriting approval. Certain restrictions apply. Call for details. NMLS3029 (www.nmlsconsumeraccess.org). Additional Terms and Conditions: This guarantee is not an offer or an inducement by CrossCountry Mortgage, Inc. to enter into an agreement to make a loan, nor a guarantee or lock of a specific interest rate or number of discount points. An offer to make a loan is neither binding nor enforceable unless it is in writing and signed by both the borrower and CrossCountry Mortgage, Inc., or unless an oral agreement is offered and accepted no greater than ten (10) days before closing. Guarantee is contingent upon: 1) the borrower(s) satisfying all underwriting guidelines and loan preapproval conditions, providing all required pre-closing and closing documentation and any applicable upfront fees within required timeframes; 2) the property appraising at or above the sales price, and 3) CrossCountry Mortgage, Inc.’s mortgage have a first place lien position. All loans remain subject to underwriting approval. Offer valid in the state of Minnesota only.