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$1,000 Mortgage Challenge/Guarantee requires minimum $100,000 loan amount, but does not include Jumbo Loans, which are loans for $417,000 or larger, and applies to Fixed Rate Loans Only. Does not apply if borrower is declined by RP Funding for not meeting credit or income program guidelines. Borrower must provide Loan Estimate Disclosure to RP Funding from competing lender on the same day the competitor's terms were offered. Loan program offered by competitor must be a program RP Funding offers. Does not apply to prior locks or terms. RP Funding must have an opportunity to beat the terms. In the event that RP Funding is unable to beat the terms of the competing lender, borrower must provide the final executed Closing disclosure, the first page of mortgage note after closing and funding, and the lock-in agreement dated the same day terms were presented to RP Funding, all of which will be used to verify competing lender's terms have not changed at closing. The $1,000 Mortgage Challenge/Guarantee is not applicable if the loan closes on terms different than those detailed in the Loan Estimate Disclosure provided to RP Funding. Change in terms include, but are not limited to, changes in loan amount, loan program, fees, discounts, lender credits, rate, APR, buy downs, years of term, origination, down payment, seller or any interested party credits, and within the time of the competitors initial lock in, or any other material loan changes not specifically mentioned here. † Not available on all loan programs. Click here for more details.