June Second Look Mortgage Review Promotion
Official Rules and Eligibility Terms
Promotion Name: June Second Look Mortgage Review Promotion
Promotion Period: This promotion is available for qualified Second Look Mortgage Reviews started during the month of June. To qualify, the applicant must begin the application process and provide a written mortgage comparison document by June 30. The Second Look Mortgage Review must be completed within 10 calendar days of application submission unless otherwise approved.
Promotion Offer: Eligible consumers who complete a qualified Second Look Mortgage Review may receive one $100 gift card to Home Depot or Lowe’s.
Purpose of the Promotion: The purpose of this promotion is to provide consumers with a second review of an existing mortgage pre-approval, quote, Loan Estimate, fee worksheet, payment estimate, or similar written mortgage offer from another lender. The review is intended to compare loan structure, estimated monthly payment, estimated cash to close, fees, mortgage insurance if applicable, timeline, approval strength, and overall mortgage strategy.
Eligibility Requirements
To qualify for the promotion, the consumer must meet all of the following requirements:
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Be a new mortgage inquiry or new mortgage applicant and not an existing active client already working with Blake Overton/Gershman Mortgage.
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Be actively considering a home purchase or refinance.
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Already have a written mortgage-related document from another lender. Acceptable documents may include a pre-approval letter, Loan Estimate, fee worksheet, written payment estimate, written rate quote, mortgage comparison sheet, or other written mortgage offer or estimate.
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Complete a mortgage application with Blake Overton/Gershman Mortgage.
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Provide sufficient information and documentation for a meaningful mortgage review. This may include income, asset, credit, property, loan structure, down payment, and current lender information, as applicable.
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Complete a scheduled Second Look Mortgage Review consultation.
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Be located in a state where Blake Overton/Gershman Mortgage is licensed and able to originate the requested loan type.
When the Gift Card Is Earned
The gift card is earned only after the consumer completes a qualified Second Look Mortgage Review.
Submitting an application alone does not qualify. Providing a quote alone does not qualify. Requesting a rate quote alone does not qualify. The review must be completed before the gift card is issued.
Gift Card Delivery
The gift card will be sent within 3 to 5 business days after completion of the qualified Second Look Mortgage Review. The gift card will be sent directly to the eligible consumer/applicant.
One Gift Card Limit
Limit one gift card per household/application. Duplicate applications, duplicate household submissions, or multiple applications for the same transaction are not eligible for multiple gift cards.
No Closing Requirement
The consumer is not required to close a loan with Blake Overton/Gershman Mortgage to receive the gift card. The gift card is based on completion of a qualified Second Look Mortgage Review, not on loan approval, loan closing, or the consumer’s decision to proceed with Blake Overton/Gershman Mortgage.
No Referral Requirement
The gift card is not offered in exchange for referrals, future referrals, or the referral of settlement-service business. The consumer is not required to refer any person, transaction, real estate agent, builder, title company, or other party to qualify.
Consumer Only
The gift card is available only to eligible consumers/applicants. It is not available to real estate agents, builders, title companies, attorneys, insurance agents, financial advisors, settlement-service providers, referral partners, or any other third party.
Non-Eligible Situations
The following do not qualify for the promotion:
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Verbal-only quotes or verbal pre-approvals with no written documentation.
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Incomplete applications.
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Applications where the consumer does not provide enough information for a meaningful review.
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Consumers who do not complete the scheduled Second Look Mortgage Review consultation.
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Existing active clients already working with Blake Overton/Gershman Mortgage.
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Duplicate submissions from the same household or for the same transaction.
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Requests where the consumer is only seeking a rate quote without a full review.
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Requests to provide the gift card to anyone other than the eligible consumer/applicant.
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Any request tied to the referral of another person or transaction.
Review Scope
The Second Look Mortgage Review may include a review of loan type, interest rate, points, lender credits, estimated monthly payment, estimated cash to close, closing costs, prepaid items, mortgage insurance if applicable, seller credit assumptions, down payment strategy, approval strength, documentation status, and estimated closing timeline. The scope of the review may vary based on the information provided by the consumer.
No Guarantee of Approval or Savings
Completion of a Second Look Mortgage Review does not guarantee loan approval, loan terms, interest rate, payment, savings, or loan closing. All loan options remain subject to application, credit approval, underwriting approval, acceptable documentation, property approval, investor guidelines, market conditions, and applicable law.
Offer Modification or Discontinuation
This promotion may be modified, suspended, or discontinued at any time, subject to applicable law and company policy. Eligibility determinations are subject to review.
Licensing and Availability
This promotion is available only where Blake Overton/Gershman Mortgage is properly licensed and legally permitted to offer the applicable mortgage product. Certain loan types, properties, or borrower scenarios may not be eligible.
Company and Compliance Approval
This promotion is offered subject to company policy, compliance approval, and applicable federal, state, and local laws and regulations.
Contact
For questions regarding the June Second Look Mortgage Review Promotion, contact Blake Overton with Gershman Mortgage.
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