Close your loan with any lender at a lower all-in price than mine, and I send you a $2,000 check. That’s the whole offer — and it’s mine personally, not a company slogan.

What the guarantee is

If you close with another lender at a lower all-in price — interest rate, lender fees, and monthly mortgage insurance combined — I pay you $2,000. This is my personal guarantee as your loan officer, on loans I originate: written terms, a clear claim process, and a real check at the end. It isn’t a slogan; it’s what confident same-day wholesale pricing lets me put my own name behind.

Either way, you win. If my price is best, you got the cheapest loan available to you that day. If someone genuinely beats it under the terms below, you get their better price and my $2,000. There is no outcome where comparing costs you anything.

How it works

Three steps: get both quotes the same day, compare them line by line, and lock. If the other lender truly wins, you collect.

Get both quotes the same day. Obtain a written quote (a Loan Estimate or formal quote sheet) from the competing lender, obtain a written quote from me that same day, and allow me to review both quotes with you by phone. Rates move daily, so same-day is the only honest comparison.
Compare line by line. On that call, we compare line by line: interest rate, lender fees, and monthly mortgage insurance — the all-in price, not a teaser rate sitting on top of hidden points. If we move forward together, great. If not, step three.
Lock, close, and claim. If their all-in price is lower and I can’t beat it, close with them under the terms below. If they truly delivered the better all-in price, I send you $2,000.

Which loans qualify

Fixed-rate conforming loans (jumbo and high-balance excluded), FHA, VA, and fixed-rate investment property loans including DSCR — all with loan amounts of $200,000 or more.

Yes, investment and DSCR loans are covered, and that’s rare. Most lenders won’t guarantee investment pricing at all. Investor lending is where my wholesale pricing is strongest, so it’s the one place I’m most comfortable putting $2,000 behind the quote. One guardrail for investors: the competing quote must match on prepayment penalty structure and loan term — a cheaper rate with a harsher prepay isn’t a better deal, it’s a different loan.

Frequently asked questions

Who actually pays the $2,000?

I do — personally. This is my guarantee as your loan officer on loans I originate, not a company-wide program, with the claim process and timelines written into the terms below.

Is this a gimmick that never pays out?

The guarantee pays rarely for one reason: same-day wholesale pricing is very hard to beat on an all-in basis. That’s the point. The offer exists so you compare — because when you compare honestly, line by line on the same day, I usually win. When I don’t, you get paid.

What if you can beat the other quote?

Then you take the better price and skip the $2,000 — which is the bigger win. The guarantee isn’t the product; the price is. The $2,000 is what makes it safe for you to check.

Are investment and DSCR loans really included?

Yes — fixed-rate investment and DSCR loans at $200,000+, provided the competing quote matches on prepayment penalty structure and term. Most lenders won’t touch a pricing guarantee on investor loans. I will, because it’s my strongest lane.

Program terms

Plain-English but binding — these are the conditions of the guarantee, and the terms in effect on the date you lock govern your claim.

Obtain a written quote (Loan Estimate or formal written quote) from the competing lender, obtain a written quote from me that same day, and allow me to review both quotes with you by phone. The comparison is the combined all-in price: interest rate, lender fees, and monthly mortgage insurance.
Inform me you’re going with the other lender and lock your rate the same day you receive written quotes from both me and the chosen lender.
After closing, provide your final Closing Disclosure and rate lock confirmation from the other lender showing you closed at the quoted pricing on the compared loan.
If I provide a better price after you lock with a competitor and before you close, and you decline it, you are not eligible for the guarantee. If I cannot beat the price before you close, you close with the other lender at the compared pricing, and the terms above are met, I send your $2,000 check within 30 days.

Restrictions

Offered only on identical matching loan types and products I offer, compared apples to apples: same loan type, rate structure, loan term, loan amount, and occupancy.
Qualifying loans: fixed-rate conforming (jumbo and high-balance excluded), FHA, VA, and fixed-rate investment/DSCR — minimum loan amount $200,000.
Investment/DSCR comparisons must match on prepayment penalty structure and loan term.
You are not entitled to the $2,000 if you decline a superior price from me made after your competitor lock and before your closing.
One guarantee payment per closed loan. The terms in effect on the date you lock govern your claim; the guarantee may be modified or discontinued for future comparisons at any time.

Start the comparison

Have a quote in hand, or want mine first? Call me directly at (714) 410-2198, send it through the contact page, or if you’re already in contract and holding a Loan Estimate, use the free second opinion — same comparison, built for in-contract timelines.

The $2,000 Best Price Guarantee is offered personally by Jason Brookes on loans he originates, and applies only to those loans — it is not a company-wide program. Jason Brookes, Broker — NMLS #1372327, CA DRE #01412977, mortgage broker since 2003, originating through Grand Avenue Realty & Lending. Equal Housing Opportunity. This page is informational and is not a commitment to lend.