20-Day Close Guarantee*

Eligibility & Program Disclosures

*20-Day Close Guarantee. $500 will be credited to settlement costs at closing if IncredibleBank fails to meet the 20-Day Close Guarantee, as defined in and subject to the following terms and conditions.

Refinance Transactions. The 20-Day Close Guarantee is defined as closing the mortgage loan within 20 business days after receipt of a completed mortgage loan application and required supporting documentation. An application is considered completed the date the borrower receives written or email notification from IncredibleBank that their application is complete.

Purchase Transactions. As closing dates are dictated by the purchase contract, the 20-Day Close Guarantee is defined as receiving final underwriting approval within 20 business days after receipt of a completed mortgage loan application and required supporting documentation, including the fully executed purchase contract. An application is considered completed the date the borrower receives written or email notification from IncredibleBank that their application is complete. To be eligible for the guarantee, the completed mortgage loan application, as defined above, must be received a minimum of 20 business days prior to the closing date listed on the original, fully executed purchase contract. The borrower will receive written or email notification from IncredibleBank of final underwriting approval.

Conditions for All Transactions:

• Business days do not include Saturdays, Sundays, or federal holidays.
• First-lien mortgages only.
• Single-family primary or secondary homes only.
• Must be a conventional mortgage loan underwritten by IncredibleBank, subject to the exclusions below.
• Any rush fees assessed by a title company or appraisal company are the borrower's responsibility.
• Offer is only available for financing homes located in Wisconsin, Florida, and Michigan.
• Loan closing is subject to underwriting approval.
• Standard credit, collateral, and underwriting guidelines apply.
• All loans are subject to final credit approval.

Exclusions for All Transactions:

• VA, USDA, FHA, and WHEDA loans.
• Construction loans.
• Home Equity Lines of Credit and Home Equity Loans.
• Non-qualified mortgage loans are not eligible for the 20-Day Close program.
• Jumbo loans, generally loan amounts that exceed $806,500.
• Investment properties.
• IncredibleBank employees are not eligible to participate in this offer.

Ineligibility.

The 20-Day Close Guarantee is voided or not applicable if:

• The borrower changes the loan product or terms.
• The borrower fails to meet purchase contract requirements.
• The seller fails to meet purchase contract requirements.
• Final approval is delayed due to a service provided by a third-party vendor, including appraisal and inspection.
• The borrower fails to provide requested documentation required for approval within three business days of the lender's request.
• Closing is delayed due to inclement weather, natural disaster, or another federal emergency.
• The borrower's circumstances change in a way that impacts eligibility.
• The borrower fails to provide insurance policy documentation within the timeframe requested by IncredibleBank.
• The loan application or documentation contains fraudulent information.

IncredibleBank reserves the right to amend, terminate, or withdraw this offer at any time without prior notice.