iTHINK MORTGAGE

Terms and Conditions

  1. ITHINK MORTGAGE (“ITHINK”) is offering qualified customers who close on a purchase mortgage loan or who close on a first-lien, closed end refinance mortgage loan with iTHINK (the “Mortgage Loan”) lender paid credits at the time such customers refinance the Mortgage Loan with iTHINK MORTGAGE (the “Offer”).
  2. The Offer consists of up to $3,500 in lender paid credits, which shall be provided by iTHINK MORTGAGE and used by the customer to offset the Covered Fees (defined below) assessed at the first time the Mortgage Loan is refinanced with iTHINK MORTGAGE, which must take place during the time period which is six (6) months after the close of the Mortgage Loan and within three (3) years of the close of the Mortgage Loan. “Covered Fees” include:
    a. Lender’s Title Insurance Policy Fees;
    b. Owner’s Title Insurance Policy Fees;
    c. Appraisal Fees (includes second appraisal fee, appraisal re-inspection fee and appraisal recertification fee, if applicable);
    d. Flood Certification Fees;
    e. Credit Report Fees; and
    f. Other Settlement Fees (includes notary fees, settlement fees, recording services fees, transfer taxes and government fees, deed preparation, courier messenger fees, and endorsements).
    g. Discount points are excluded.
  3. To be eligible for and receive the Offer, a customer must:
    a. Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing or refinancing a primary residence, second home or investment property located in a state where iTHINK MORTGAGE is licensed to originate mortgage loans;
    b. Successfully close on their Mortgage Loan with iTHINK Mortgage between January 2, 2023 and June 31, 2023;
    c. Refinance their Mortgage Loan with iTHINK MORTGAGE during the Refinance Period; and
    d. Contact their iTHINK MORTGAGE Loan Consultant at any time prior to locking in the interest rate of the customer’s first refinance of the Mortgage Loan and inform them that they would like to redeem the Offer.
  4. Covered Fees does not include discount points associated with a refinance of the Mortgage Loan. The Offer may not be combined with any other iTHINK Mortgage offers, promotions, or concessions. The Offer is only redeemable for a qualified customer’s first refinance of the Mortgage Loan during the Refinance Period and is not redeemable for subsequent refinances. All applications are subject to underwriting and credit approval. The Offer consists of up to $3,500 in lender paid credits to be applied to a qualified customer’s assessed Covered Fees, and any such lender paid credits in excess of the assessed Covered Fees will not be provided as any form of cash back or other consideration.
  1. iTHINK MORTGAGE is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
  2. iTHINK MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. iTHINK MORTGAGE is a Division of Mann Mortgage LLC, Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).  Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
    Texas Complaint and Recovery Fund Notice  Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901 (www.nmlsconsumeraccess.org)

Mann Mortgage is an Equal Housing Lender.

© 2023 Mann Mortgage, LLC | NMLS 2550