Mortgage Optimization Plan

WHY THIS EXISTS

To reduce your costs on your next 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 they complete 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 — GROW 📈

• Your rewards grow over time

• As you help more people, they grow

👉 Some clients build $2,000–$5,000+ in rewards over time

STEP 4 — OPTIMIZE 🧠

Your rewards can be used in two ways:

Option 1 — Reduce Your Closing Costs 🧾

Use your $1,300 reward and any accumulated rewards
toward your closing costs

Option 2 — Lower Your Interest Rate 📉

Reduce your mortgage rate by up to ~0.20%
using your rewards

(typical lender maximum)

EXAMPLE — TWO WAYS TO USE YOUR REWARDS

🏡 Your Mortgage

$500,000 • 5-year fixed • 5.00%

🧾 Closing costs:

Total: $2,800 (Appraisal • Legal • Disbursements)

👥 Example

3 referrals

• Each completes a mortgage (~$500 per referral)

👉 $1,500 total rewards

You also locked in your closing cost reward → Up to $1,300

🧠 Total Available

👉 $2,800 total rewards

Option 1 — Reduce your closing costs 🧾

$2,800 applied toward your costs

👉 $0 out-of-pocket for closing costs

Option 2 — Lower your rate 📉

About $2,800 reduces your rate by 0.15%

👉 New rate: 5.00% → 4.85%

Applied across your full term

Lock In Your $1,300 Closing Cost Reward

Lock it in now — decide later

No obligation. Takes less than 30 seconds