DSCR LOAN GUARANTEE
Rate Shopper Guarantee
If you lock your rate with Key Home Funding and later find a lower rate with another loan source,
we will beat it or refund your appraisal fee and credit report fee in full, plus $250
If you lock your rate with Key Home Funding and later find a lower rate with another loan source, we will beat it or refund your appraisal fee and credit report fee in full, plus $250
No credit check. No cost. No obligation.
How it works
One of the biggest frustrations for real estate investors is locking a loan, only to later find out another lender had a better rate.
The Rate Shopper Guarantee is designed to solve that.
If you lock your loan with Key Home Funding and later find a lower verified rate elsewhere, we will either beat it or refund your appraisal fee and credit report fee in full, plus $250.
If we cannot beat the rate, you are free to move forward with the other lender—and you’ll still be protected.
Step 1: Lock Your Loan
To activate the Rate Shopper Guarantee, you must first lock your loan with Key Home Funding. This requires:
A completed loan application
Payment of appraisal and credit report fees
Submission of all requested documents and information
Once your loan is locked, your Rate Shopper Guarantee becomes active.
Step 2: If you find a Competing Offer
If you later find a lower rate with another lender, you must provide a written competing loan estimate.
To qualify for comparison, the competing offer must:
Be from a licensed lender or mortgage broker
Be provided in writing before your loan funds
Be for the same property and loan
Be for the same loan amount
Be for the same loan program
Match credit profile and underwriting assumptions
Be for a substantially similar structure, as determined by Key Home Funding
Step 3: Provide Full Documentation
To be eligible for the guarantee, the competing loan estimate must be fully itemized and include:
Loan product and program type
Loan term
Fixed or adjustable rate structure
Interest rate
Discount points or lender credits
All lender and broker fees
Title and settlement fees
Any special loan features or pricing adjustments
Name of lender or broker
License information of lender or broker
In addition, a verified settlement statement from the closed competing loan is required as final proof that the lower rate was actually obtained and funded.
Step 4: Verification and Outcome
Once a valid competing offer is submitted, we will review it and determine whether it qualifies under the Rate Shopper Guarantee.
If it does, we will either:
Beat the verified lower rate, or
Refund your appraisal fee and credit report fee in full, plus $250
In some cases, we may adjust your loan by working with a different lender in my network in order to match or beat the competing rate.
Step 5: If we Cannot Beat the Rate
If we are unable to beat the verified competing rate, you may proceed with the other lender.
In that case, once your loan closes with the competing lender, you must provide:
The final settlement statement
The mortgage note confirming the loan terms and rate
After verification, we will issue:
A full refund of your appraisal fee and credit report fee
A $250 payment
All payments will be issued within five (5) business days after receipt and verification of your closing documents.
Frequently Asked Questions
What counts as a valid competing offer?
A valid offer must be a written, itemized loan estimate from a licensed lender or mortgage broker and must reflect the same loan structure, credit assumptions, and property.
Can I use a screenshot or verbal quote?
No. All competing offers must be written, itemized, and verifiable.
Does the competing loan have to be identical?
It must be substantially similar in loan structure, credit profile, and terms, as determined by Key Home Funding.
What if I don’t end up closing with the other lender?
The guarantee only applies to completed, funded loans with verified documentation.
Important Notes
The Rate Shopper Guarantee is intended to ensure you receive competitive, verified pricing at the time of funding. It does not apply to teaser rates, conditional approvals, incomplete quotes, or offers that are not fully documented or verifiable.
Learn more about our guarantees
Then call 855-774-3160 to review your loan options and shop wholesale rates, or schedule a call.
Call 855-774-3160 to review your loan options and shop wholesale rates, or schedule a call.
If you receive a written Approval Guarantee from Key Home Funding and your loan is later denied by the lender, we will refund your appraisal fee and credit report fee in full, plus $250.
If you receive a written Approval Guarantee from Key Home Funding and your loan is later denied, we will refund your appraisal fee and credit report fee in full, plus $250.
If your loan does not fund in 29 days, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250.
If your loan does not fund in 29 days, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250.
No credit check. No cost. No obligation.
© 2026 Showcase Agency, Inc. dba Key Home Funding. All Rights Reserved. Privacy ∣ Terms
Key Home Funding 18 Pismo Beach, Irvine, CA 92602. (949) 662-3150. NMLS 1762262 ∣ DRE 02058997 ∣ GRNMA 1762262 ∣ GREC 8215
For licensing information go to www.nmlsconsumeraccess.org. Equal Housing Opportunity.
DSCR financing brokered by Key Home Funding is available in AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, WA, WV, WI, WY.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Key Home Funding brokers loans and does not make and/or fund any product offerings, loans, or credit decisions. This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to provide acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
DSCR Loan Guarantees: The guarantees below are subject to eligibility requirements, limitations, and exclusions. Each guarantee applies only when all stated conditions are met. See individual guarantee pages for complete terms and conditions.
Approval Guarantee Disclaimer: The Approval Guarantee is issued only after a written Approval Guarantee is provided by Key Home Funding following their initial pre-underwriting review. It is subject to all conditions stated in the written guarantee, including timely submission of the loan to underwriting, prompt delivery of all requested documents, information, authorizations, and fees, and satisfaction of underwriting conditions such as credit, appraisal, property income, residency or entity requirements. Loans receiving a Suspense or Denial in the initial loan review are not eligible. If all conditions are met and the lender subsequently denies the loan, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250. Payment, if applicable, will be issued within five (5) business days of final lender denial.
Rate Shopper Guarantee Disclaimer: The Rate Shopper Guarantee applies only after you lock your loan with Key Home Funding and completion of all required application, fees, and documentation. Eligible competing offers must be written, verifiable, and itemized from a licensed lender or broker, showing the same loan amount, property, program, credit profile, and substantially similar terms, as determined by Key Home Funding in its sole discretion. If eligibility requirements are met, Key Home Funding will either beat the verified lower rate using one of their wholesale lending relationships or refund your appraisal fee and credit report fee in full, plus $250. If Key Home Funding is unable to beat the rate and you proceed with the competing lender, refunds and incentive payment will be issued within five (5) business days after you close with the competing lender and provide the final settlement statement and mortgage note confirming the lower rate.
29-Day Funding Guarantee Disclaimer: The 29-Day Funding Guarantee begins once a complete loan application is submitted, including payment of appraisal and credit report fees and all required borrower documentation. The timeline assumes timely borrower cooperation, including prompt document delivery, property access for appraisal, and resolution of title, lien payoff, and, if applicable, lien subordination requirements. Delays caused by borrower actions, tenant access issues, appraisal conditions, title or payoff processing, subordination delays, or other third-party factors may extend the timeline. If all eligibility requirements are met and the loan does not fund within 29 calendar days due to lender or broker-related delays, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250. Payment, if applicable, will be issued within five (5) business days after funding or final determination.
To review your loan options and shop wholesale rates, call 855-774-3160 or click here. No credit check. No cost. No obligation.
