| A customer must provide a complete good faith estimate, listing a specific lenders name, which is dated the same day as the rate quoted by Sun State Savings. If such good faith estimate indicates an equilavent or lower interest rate and closing costs package, for the same loan program that is offered by Sun State Savings, we have the option of beating that lender's total loan costs by $100 or paying the customer $250 when they close with that lender and provide us a copy of the signed note and final HUD1 settlement statement. $120,000 loan minimum. Builder incentives not included. Rate reductions or modifications not included. |