We’re excited to announce a new way Circle Home Loans is stepping up to serve our clients and real estate partners — with confidence, speed, and accountability.

When you work with Circle Home Loans, we guarantee to close your client’s loan on or before the agreed-upon closing date — or we’ll pay $5,000 to the buyer and $5,000 to the seller if the delay is solely on us.

This isn’t marketing fluff — it’s a real financial commitment that shows how serious we are about delivering an efficient and seamless transaction every time.

Here’s what makes this different:

Applies to qualified purchase transactions. Covers Conventional, FHA, and VA loans. Helps make your offer more competitive in today’s market. Instills confidence with your clients and sellers alike. We’ve built this guarantee with all the right protections to ensure speed, accountability, and peace of mind — for everyone involved.

If you're ready to work with a lender who stands behind their word (with real dollars), let’s connect. We’d love to walk you or your clients through the program and get things moving.

Let’s close with confidence — and on time.

$10,000 Closing Guarantee – Terms & Conditions

At Circle Home Loans, we don’t just aim to close on time—we back it with our

$10,000 Closing Guarantee

. If your loan doesn’t close by the contract closing date due to a delay caused solely by Circle Home Loans, we may issue up to

$10,000

to the buyer or seller as agreed upon in writing.

✅ What Qualifies:

To be considered for the guarantee, all of the following must be met in full:

Buyer must receive a fully underwritten pre-approval from Circle Home Loans prior to contract, including all income, asset, and credit documentation. The executed purchase contract must include at least 21 business days between acceptance and the scheduled closing date. The buyer must submit all requested documentation within 24 hours of contract signing and maintain consistent responsiveness throughout the process. Buyer must lock their rate within 48 hours of signing the contract. Buyer must use Circle-approved third-party providers for title, insurance, and appraisal to ensure full process control. The loan must be for a primary residence, not subject to resale restrictions, litigation, or special approvals (e.g., condo questionnaire, rural overlays).No material changes to income, employment, assets, or credit can occur from time of approval to closing. The appraisal must be scheduled within 48 hours of request, with no valuation or inspection issues. The closing may not be delayed or adjusted by any third party, including the seller, builder, title company, agents, attorneys, or the buyer themselves.

❌ Guarantee Exclusions:

This offer is voided if any of the following occur:

Closing delay is due to appraisal delays, property issues, repairs, inspections, or valuation disputes. The buyer or seller fails to meet contract deadlines, provide required documents, or execute agreements on time. Any third party (e.g., title, insurance, appraisal, realtor, attorney, underwriter, seller, or buyer) contributes to the delay. The buyer requests a change to loan terms, product, or occupancy type during the process. The property has legal issues, ownership complications, HOA violations, or is part of a 1031 exchange or unique sale structure. The delay results from force majeure (e.g., weather, disaster, illness, or external factors outside of Circle’s direct control).The buyer fails to meet any underwriting or compliance condition by the deadlines issued by Circle Home Loans.

💬 Payout & Discretion:

If all eligibility requirements are met and a delay is confirmed to be 100% the fault of Circle Home Loans, a discretionary payment of up to $10,000 may be

considered. Circle

Home Loans will conduct a full internal review to confirm

qualification. Final

determination of payout, amount, recipient, and timing is at Circle Home Loans’ sole discretion.

📌 Additional Notes:

This is not an offer to lend or a commitment to close. All loans subject to full credit, underwriting, and property approval. This program is intended for marketing purposes and does not create legal

liability. Circle

Home Loans reserves the right to modify, cancel, or revoke this program at any time, without notice or obligation. Offer void where prohibited by law.