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Special offers are limited by location, occupancy, loan program and other written terms. Confirm the current offer before applying or incurring a cost.
Close an eligible mortgage loan with 7th Level Mortgage for a primary residence located in Florida and the appraisal may be provided on us. Availability is subject to the loan program, complete borrower and property qualification, and the current written promotional terms.
Ask a 7th Level Mortgage professional which appraisal services and charges qualify, how the benefit is provided, and whether any loan type, property, timing or vendor restriction applies before ordering or paying for an appraisal.
Restrictions apply. This promotion is not a commitment to lend, does not guarantee approval or closing, and may be modified or withdrawn. All loans are subject to application, credit approval, underwriting, property review and applicable program requirements.
A special offer describes a particular benefit and its conditions. It does not replace the borrower’s credit and income review, the property review or the complete loan offer. Start with the currently displayed promotion and identify the eligible state, transaction, dates and other restrictions shown with it. Do not assume a promotion from an older newsletter is still available.
If an appraisal benefit is offered, ask how it is handled: which eligible cost is covered, whether a credit or reimbursement is used, when it applies and which transactions are excluded. The written offer and transaction disclosures should explain the actual treatment. A reference to a free appraisal should not be read as permission to skip a valuation required by the loan program.
Review the rate, points, credits and other fees alongside the benefit. Two quotes can include different pricing even when one advertises a closing-cost item. Use consistent loan amount, down payment, term and timing assumptions to understand whether the complete financing meets your goal.
Provide the property location, intended occupancy and financing purpose when asking about a promotion. Tell the team if the loan amount, property or closing schedule changes. Those facts may affect whether the offer can apply. Ask for confirmation for the actual transaction before subtracting the benefit from your closing budget.
Keep a copy of the offer version you reviewed and discuss any apparent difference between that version and the disclosures. A benefit may reduce an eligible item without removing taxes, insurance, escrow deposits, title costs or other charges. Cash to close therefore still needs a complete calculation.
Compare the Loan Estimate and final Closing Disclosure for the applicable credit or cost treatment. If something is unclear, ask which line reflects the promotion and what conditions remain. A clear offer should make the benefit understandable without suggesting that approval, a particular rate or a closing date is guaranteed.
No. The promotion and underwriting are separate. The borrower, property and transaction must meet the applicable requirements, and the offer’s own eligibility conditions must also be satisfied.
No. An eligible appraisal benefit concerns that specified item. Other loan, settlement, prepaid or escrow amounts may remain; review the actual disclosures for your transaction.
General information is useful. A mortgage professional can help you evaluate the facts that apply to you.
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