Introducing our 10-Day Closing Guarantee
10-Day Close Guarantee – Terms and Conditions
Circle Home Loans (“Company”) offers a 10-Day Close Guarantee on select Conventional loans submitted to United Wholesale Mortgage (UWM). This Guarantee is designed to provide confidence and certainty to our clients while ensuring all parties act swiftly and efficiently. It is subject to the terms and conditions outlined below.
Eligibility Requirements
Loan Type: Conventional fixed-rate purchase loans only. FHA, VA, Jumbo, Non-QM, and refinance loans are not eligible.
Investor Requirement: Loan must be submitted to and locked with United Wholesale Mortgage (UWM).
Property Type: Primary residence or second home; single-family, warrantable condos, or PUDs only. No investment properties or manufactured homes.
Appraisal Requirement: Subject property must receive an Automated Valuation Model (AVM) approval; no full appraisal required.
Full Documentation: All initial required documentation (income, assets, IDs, disclosures, purchase contract) must be received within 48 hours of application.
Client Responsiveness: All requested loan stipulations must be provided by the borrower(s) within 24 hours of each request.
Insurance & Title: Clear title and acceptable homeowner’s insurance policy must be submitted no later than 5 business days before the scheduled close date.
Closing Disclosure: Must be acknowledged within 24 hours of being sent to meet TRID timing.
Guarantee Conditions
The 10-day period begins upon receipt of a complete loan package and automated underwriting approval from UWM.
The loan must be eligible for UWM’s AVM waiver. If a full appraisal becomes required, the Guarantee is void.
Guarantee only applies if Circle Home Loans is the originating lender and UWM is the investor.
All third-party vendors (e.g., title, insurance) must meet timelines and not delay the process.
Exclusions
Delays caused by third parties, including title companies, insurance agents, or escrow services.
Borrower-related changes including employment, credit, income, assets, or property selection after submission.
Properties requiring repairs, escrow holdbacks, or additional underwriting layers.
Government closures, natural disasters, or events beyond our control.
Remedy
If we fail to close within 10 calendar days due solely to Circle Home Loans or UWM, and all conditions above have been met, we will apply a credit of up to $1,000 toward closing costs. This credit is applied at funding only and has no cash value
if the loan does not close.
Legal Disclaimer
This Guarantee is subject to change or discontinuation without notice. All loans are subject to underwriting and investor approval. This is not an offer to extend credit. Additional restrictions may apply. Offer not valid in all states.
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Disclosures & Legal Notice
Circle Home Loans is a division of Priority 1 Lending LLC.
This is not a commitment to lend. All loans are subject to credit approval, underwriting review, and property appraisal. Terms, conditions, and programs are subject to change without notice.
Any mortgage-related services offered through this site are provided by licensed mortgage professionals. This site is intended for informational purposes only and does not constitute legal, financial, or tax advice. Consult appropriate licensed professionals for specific guidance.
RESPA Compliance Statement
Circle Home Loans does not offer, promise, or provide anything of value in exchange for the referral of settlement service business.
All marketing collaborations, including Circle Points™ activities, are conducted in full compliance with the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2601 et seq.
Marketing services offered through Circle Points™ are provided only after verified agent participation in closed transactions, not for referrals, and are based on documented services performed. All optional co-branded marketing initiatives require proportional fair market value contributions as required by law.
Agents and brokerages do not receive compensation for the act of referring clients to Circle Home Loans unless explicitly disclosed and permitted under applicable legal exceptions.
Program Disclosure
Statements regarding the reinvestment of $5,000,000 into local markets reflect combined activities of Priority 1 Lending LLC and its affiliated divisions, including both purchase and refinance business channels.
Results vary and are not guaranteed. All references to marketing reinvestment, profits, or performance are illustrative only and do not constitute a guarantee of future results or financial return. Circle Home Loans is a direct lender committed to reinvesting earned revenue into marketing systems that generate, support, and close transactions.
📄 Terms & Conditions for Leverage Calculation
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The output of this tool is an estimate based on the information you provide. It does not constitute financial, tax, legal, or business advice. Actual results may vary significantly based on market conditions, agent performance, marketing execution, and other external factors.
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Circle Home Loans makes no representations or warranties regarding the accuracy, profitability, or effectiveness of the projections shown. Use of this calculator is at your own risk.
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