At Future Mortgage, we believe borrowers deserve transparent, competitive pricing without games, guesswork, or last-minute negotiations. Our Rate Match Guarantee ensures that if you find a better, comparable mortgage offer, we will work to match it—or compensate you if we can’t.

If you receive a written Loan Estimate from another licensed lender that is locked on the same business day, with identical loan terms, we will review it on an apples-to-apples basis. Comparable terms include loan program, loan amount, interest rate structure, lock period, loan term, occupancy type, property type, and borrower credit profile.

To qualify, the competing Loan Estimate must be locked with the exact same terms and lock date, and sent directly to your Future Mortgage loan officer before 5:00 PM local time on that same business day. This requirement allows our team to evaluate the offer under real-time market conditions and take immediate action to match the pricing.

Our review process is fast and transparent. If a valid, comparable Loan Estimate meets all requirements, we will attempt to match or improve the offer without changing loan terms, increasing fees, or weakening the loan structure. We do not manipulate points, fees, or disclosures to create artificial comparisons.

If we are unable to match the verified offer, FutureMortgage.com LLC will send you a $100 check. This is our way of standing behind our pricing and respecting the time you spent doing your homework.

To receive the $100 payment, you must submit a request to customercare@futuremortgage.com with the subject line “Rate-Match Guarantee.” Your request should include your full name, property address, and confirmation that the competing Loan Estimate was provided to your loan officer before the 5:00 PM deadline.

Please note that Jumbo loans, Down Payment Assistance (DPA) loans, HELOCs, and HELOANs are excluded from this Rate Match Guarantee due to program-specific pricing, investor requirements, and market variability.

Our Rate Match Guarantee reflects how we do business—clear pricing, aligned incentives, and accountability. Either you close with a market-leading rate, or we pay you for proving us wrong. Either way, you win.