Mortgage Freedom

WHY THIS EXISTS

To use your rewards toward your mortgage with us

HOW IT WORKS 🏡

STEP 1 — SHARE 👥

• Share this with someone you know

• They get up to $1,300 toward their closing costs

• You earn when they complete their mortgage

STEP 2 — EARN 💰

When someone you share this with completes a mortgage

• They receive their closing cost reward

• You earn rewards (typically $200–$800 per referral)

💡 Funded from the lender commission — no added costs to your mortgage

STEP 3 — USE 🎯

Use your rewards toward your mortgage

• As a lump sum payment

• Or to help with your monthly payments

STEP 4 — GROW 📈

Your rewards continue growing over time

• What you don’t use now can be used toward your next mortgage

• Over time, this can build into meaningful savings

HOW MUCH YOU CAN USE NOW

Typical Milestones:

$500 → use $350 now, $150 remains

$1,000 → use $700 now, $300 remains

$1,500 → use $1,050 now, $450 remains

$2,000 → use $1,400 now, $600 remains

👉 As a mortgage client, you can use a larger portion of your rewards

REAL EXAMPLE

Here’s what this can look like in practice

🏡 Based on:

$500,000 mortgage • 5.00% • 5-year fixed • 25-year amortization

5 Referrals (~$2,500)

➡️ $1,750 applied as a lump sum

➡️ $750 remains in your rewards account

💰 Save approximately $4,328 in interest

⏱️ Paid off about 2 months sooner

10 Referrals (~$5,000)

➡️ $3,500 applied as a lump sum

➡️ $1,500 remains in your rewards account

💰 Save approximately $8,604 in interest

⏱️ Paid off about 4 months sooner

Lock In Your $1,300 Closing Cost Reward

Lock it in now — decide later

No obligation. Takes less than 30 seconds