$10,000 On-Time Closing Guarantee

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.

$10,000 On-Time Closing Guarantee


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.

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Circle Home Loans LLC. is a DBA of Priority One Lending LLC. a Equal Housing Lender

Corporate Headquarters: 38701 W. Seven Mile Rd. Suite 290 Livonia, MI 48152

Corporate Phone: (629) 276-5007

Email: [email protected]

All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call for details and qualifying information.


"you're approved" language is for illustrative purposes only. Dependent on Priority 1's criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify.

Free Refi for life: Terms and Conditions

This offer applies exclusively to first lien mortgage loans originated by Circle Home Loans and does not include subordinate, simultaneous, or HELOC closings. It excludes Brokered loans and Reverse mortgages.

The offer covers Circle Home Loans' retained fees such as origination, underwriting, processing, and administrative fees. It does not apply to discount points or third-party settlement service fees, including but not limited to Title, Settlement, Appraisal, Credit Report, Commissions, or similar fees.

Eligibility requires that the customer must have closed a previous first-lien refinance transaction on or after September 1, 2024, with Circle Home Loans and at least six (6) months prior to any subsequent application. Please note that refinancing your existing loan may increase your total finance charges over the life of the loan.

All applications are subject to underwriting and credit approval. Additional conditions or restrictions may apply. Please contact us for complete details. This offer is available only through the Direct-to-Consumer Division of Circle Home Loans, a division of Priority 1 Lending, LLC, located at 38701 W. Seven Mile Rd, Suite 290, Livonia, MI 48152, NMLS # 1375378.

This offer is not available for consumers in Washington State.


Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.


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EQUAL HOUSING OPPORTUNITY NMLS ID #1375378 Copyright ©️ 2025 Circle Home Loans, LLC. All rights reserved. nmlsconsumeraccess.org

EQUAL HOUSING OPPORTUNITY

NMLS ID #1375378

Copyright ©️ 2025 Circle Home Loans, LLC. All rights reserved.