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$1,000 Mortgage Challenge/Guarantee requires minimum $100,000 loan amount and applies to Fixed Rate Loans Only. Does not apply if borrower is declined by RP Funding for not meeting credit or income program guidelines. Borrower must provide Good Faith Estimate from competing lender on the same day the competitor's terms were offered. Does not apply to prior locks or terms. RP Funding must have an opportunity to beat the terms. Must be a program RP Funding offers. In the event that RP Funding is unable to beat the terms of the competing lender, borrower must provide a HUD‐1 settlement statement and the first page of mortgage note after closing, and lock-in agreement dated the same day terms were presented to RP Funding, verifying competing lender's terms to receive $1,000. HARP, No Closing Cost Refinance and Closing Acceleration Program Loans are not eligible for $1,000 Guarantee. † Not available on all loan programs. Click here for more details.