VITEK Peace of Mind Guarantee
June 25, 2009

Peace of Mind Guarantee

More than just a catchy marketing campaign.

Our ‘Peace of Mind Guarantee’* program is a
genuine commitment on our part and our policy on how we conduct business. Once you
understand the elements of our Peace of Mind Guarantee loan policy, we think you will
agree there is no reason to work with any other lender.

Guaranteed Lender Closing Costs

VITEK guarantees all your lender closing costs based on a signed good faith estimate
for lender approved program, or we credit you the difference.

Guaranteed Real Time Loan Status Updates

Our state of the art communication system emails you frequently during your escrow to
update you on all your loan activity as it happens.

Guaranteed On-Time Close

Your loan documents will be delivered to the title company at least four days prior
to the scheduled close of escrow.

If VITEK delays close of escrow, you will receive a $50 per day credit up to $250.

Guaranteed Best Value

If you have final loan approval with VITEK, and choose to close with another lender,
we will pay you $250.

 

Program Guidelines

Borrower eligibility for “Guaranteed Best Value” payout is contingent upon borrower having final underwriting approval status on current loan with VITEK Mortgage Group. In the event that borrower then chooses to close with another lender, VITEK Mortgage Group will pay borrower the amount of $250. At that time, borrower will be responsible for any and all appraisal costs incurred on current loan transaction with VITEK Mortgage Group if not already pre-paid by borrower.

VITEK Mortgage Group’s “Guaranteed On-Time Close” policy requires borrower to provide all required documentation requested a minimum of 10 business days prior to close of escrow. Borrower must allow for a minimum of 17 business days from time of application to time of close. To permit proper funding and recording time frame, VITEK Mortgage Group requires all borrowers must sign loan documents at least 48 hours prior to the close of escrow. (All government and bond loan programming are excluded from VITEK Mortgage Group’s “Guaranteed On-Time Close” policy.) Borrower understands that VITEK Mortgage Group’s “Guaranteed Closing Cost” policy is based on lenders closing costs only and must have a signed ‘good faith estimate’ for final loan approved product With VITEK Mortgage Group.

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