BayRock is so confident we have the LOWEST PRICE,
we’ll bet you $500 you can’t beat it!

What does the Lowest Price include?  

1. The interest rate
2. The discount points/rebate
3. Lender/Broker fees: fees other than
   discount points charged directly by the lender or broker.

There are other government and third-party fees associated with your mortgage, such as taxes, title fees and appraisal fees, but these are normally an unavoidable part of the loan process. Because these fees are set by the government and third-party participants in the loan process, they can be considered to be a fixed cost common to all lenders.

To secure the best deal when shopping for a home loan, it is important to focus on the three cost variables that are within your control--interest rate, discount points and lender/broker fees. You can limit these costs through careful loan shopping. That's why BayRock has concentrated on lowering the cost for these three factors to offer the best mortgage deal available.

Here’s how it works:

Step 1: Apply with BayRock for a mortgage loan to refinance your home. As long as your interest rate is still unlocked, you are eligible for the low cost guarantee once your loan has been conditionally approved, including a review of your title and appraisal reports, subject to the eligibility requirements below.

Step 2: Once you are eligible, you may present us with a very recent offer from another lender. This offer must be for the same loan product as the loan for which you applied with BayRock, and the combination of points/rebate and lender/broker fees must be lower than those for the same rate offered by BayRock. We must receive the competing offer and have a chance to match or beat the competing offer that same day. The competing offer must be in the form of a Good Faith Estimate (GFE) and a Truth in Lending Statement (TIL).

Step 3: On the same day we receive the competing offer, we will let you know if we will match or beat the competing offer. If we do match or beat the offer, you must lock your interest rate that day. If we are unable to match or beat the offer and you close your loan with the competing lender according to the terms of their offer, we'll give you $500 once we confirm your loan closed under the terms you sent us by providing us with a copy of your Final HUD 1-A and Note.

Fax All offers to: 678-405-5474     Attention: 5-Star Guarantee!


Guarantee applies to conforming loans that do not exceed $417,000.