Effective Date: 09/01/2025
Beyond Financing, Inc. | NMLS #2394496 | Equal Housing Lender

1. Program Overview

Prove Us Wrong Beyond Financing | Pledge™ (“Program”) helps ensure our clients receive highly competitive mortgage pricing. If a borrower closes a mortgage loan with a competing broker on better terms that Beyond Financing could not match on the same day, Beyond Financing will issue a $1K Client Advantage Credit (“Pledge Credit”), subject to the terms and conditions below.  

2. Eligibility — Relationship Origin & Loan Start

To preserve fairness and prevent shopping after receiving a Beyond Financing offer, the Program is available only to borrowers whose documented price-shopping or loan application activity with a competing broker predates their first formal submission, application, or written quote request with Beyond Financing. In other words, the competitor broker's quote or application must have been initiated prior to the borrower engaging Beyond Financing for the same transaction.

If borrower communications, application timestamps, or quoted documents demonstrate that Beyond Financing first provided pricing or a loan estimate for the loan in question, the submission is ineligible. Beyond Financing will use available timestamps and file records (e.g., dated competitor LE, email timestamps, application dates) to confirm the sequence of events.

Now Available in: Florida, New Hampshire, North Carolina, Rhode Island, south Carolina & Texas.

Not currently available in Massachusetts or Connecticut.

3. Eligible Loan Types

• Eligible: 30-year and 15-year fixed-rate Conventional Conforming.
• Case-by-case: Select Jumbo loans, only with prior written approval from Beyond Financing, Inc.
• Excluded: 
  • HELOCs
  • Construction Loans
  • Portfolio Loans
  • Builder-Preferred Lender Offers
  • Credit Union Member-Only Offers 
  • ARM Products
  • FHA 

• Future Expansion:

  The Beyond Financing Prove Us Wrong | Pledge™ is launching with a focus on Conventional Conforming loans. Additional loan programs (including government-backed and specialty options) will be added over time. We encourage clients to check back frequently, as more opportunities to challenge us will become available.

4. Minimum Loan Amount

The original loan must be at least $250,000 to qualify.

5. Comparison Methodology

The Program compares the total cost of lender-controlled pricing:

• Interest rate, plus
• Net lender fees/points (after lender credits), plus
• Monthly mortgage insurance (if applicable).

Third-party fees (title, escrow, appraisal, recording, etc.) will only be considered if:

• The same provider on both loans charges them, and
• They are identical in type and amount.

Otherwise, third-party fees are excluded from comparison.

6. Documentation & Proof of Prior Initiation Requirements

To establish eligibility and the origin of the borrower’s shopping activity, claimants must submit unaltered, dated documents showing that competitor pricing or application activity preceded contact or pricing from Beyond Financing. Acceptable evidence includes, but is not limited to:

• Competitor Loan Estimate (LE) or equivalent with a date/timestamp, and
• Email or application timestamps showing the date the borrower engaged the competitor, and
• Beyond Financing intake records showing the date/time of the borrower’s first contact or the date of our first written quote.

Beyond Financing reserves the right to rely on metadata, system timestamps, and original document dates to verify the sequence of events. If the documentation does not clearly establish that the competitor activity occurred first, the claim will be denied.

7. Exact Match Requirement

To qualify, the competitor’s loan and Beyond Financing, Inc.’s loan must be identical in:

• Loan type and program (e.g., Conventional 30-year fixed)
• Occupancy (owner-occupied, second home, or investment)
• Property type (single-family, condo, etc.)
• Loan amount and appraised value
• Loan-to-value ratio and down payment
• Mortgage insurance type (monthly, single-premium, or lender-paid)
• Lock period (e.g., 30 days)

Any variation in these factors renders the claim ineligible.

8. Claim Submission & Timing

• All required documents must be received by Beyond Financing within 7 business days of the competitor loan’s disbursement.
• Beyond Financing will complete its review within 30 calendar days following receipt of all requested documentation.
• If validated, the Pledge Credit will be issued within 30 calendar days of final validation.

9. Pledge Credit Mechanics & Limits

• Pledge Credit is issued by check or ACH at Beyond Financing’s discretion.
• Only one Pledge Credit is permitted per borrower/property per 12-month period.
• Borrower is responsible for any tax obligations related to the Pledge Credit.

10. Anti-Fraud & Audit Rights

• Submission of falsified, altered, or inconsistent documents will void eligibility and may be referred to regulators or law enforcement.
• Beyond Financing may require an independent audit of the competitor loan file at the claimant’s expense when validation is material or the documentation raises questions.
• Beyond Financing reserves the right to request additional evidence (including original email headers, server timestamps, or lender attestations) to confirm the timing and authenticity of documents.

11. Superior Price Clause

If Beyond Financing, Inc. presents the borrower with a superior pricing option after the competitor lock but prior to closing, and the borrower elects to close with the competitor anyway, the Program does not apply.

12. Program Changes

Beyond Financing may modify, suspend, or terminate the Program at any time, except where prohibited by law. Program is void where prohibited. Participation is subject to all applicable federal and state laws and regulations, including TILA (Reg Z), RESPA, and state advertising rules.

13. Legal

For questions contact: info@beyondfinancing.com with subject line: “ Beyond Financing Prove Us Wrong | Pledge™ (“Program”)  — Claim.” Decisions on claims are final, subject to applicable law.  

Beyond Financing, Inc.