$1,000 Low-Rate Guarantee
Get $1,000 If We Can’t Beat The Competition!
See Rules, Terms & Conditions At Bottom of Page
Submit a Competing Loan Estimate:
David VanAssche, a former top-producing North Dakota Realtor, winning the eXp Realty ICON agent award, knows what it takes to get a client across the finish line and make sure all parties are satisfied with the end result.
David’s innovative use of AI and technology in real estate has now been applied to mortgage loans, ensuring not only a great client experience but that the buying power of homeowners is maximized with the lowest rates and fees guarantee. You can call/text David @ 701-651-6353 or email David@AllMtgLoans.com
How It Works
Whether you are purchasing or refinancing your mortgage, make sure you are getting the best rate/terms, or $1,000 if we can’t beat it!
Share Your Competing Offer
Provide us with a written, detailed loan estimate from another lender for the same loan type and terms on the same day you receive it.
Use the upload box above or email your Loan Estimate to David@AllMtgLoans.com
See Sample Loan Estimate (PDF)
Let us Match or Beat It
We’ll review their offer and provide you with our best terms to compare side-by-side.
If We Can't Beat It
Close with the other lender and provide us with your final signed closing documents showing they delivered exactly what they promised.
If their rates & fees were truly better, we'll send you $1,000 within 30 days.
Submit a Competing Loan Estimate:
How we Are Able to Make This Guarantee
At Alliance Mortgage, we’re not just another lender—we’re a smarter, more efficient one. By harnessing the power of artificial intelligence (AI) and cutting-edge technology, we’ve revolutionized how we process loans.
Here’s how this benefits you:
Our AI-driven systems automate many of the time-consuming tasks that traditional lenders handle manually. From document verification to underwriting, we’ve built a faster, more accurate process that ensures loans are approved quickly and without unnecessary delays.
AI helps us analyze your financial information in real time, ensuring every detail is correct and nothing is overlooked. This reduces the risk of errors, giving you a smoother experience and ensuring that you receive the most competitive loan terms available.
By reducing inefficiencies and streamlining our internal workflows, we’ve cut our operational costs significantly. Instead of keeping those savings for ourselves, we pass them on to you in the form of better rates, lower fees, and faster service.
AI allows us to offer tailored loan options that align perfectly with your unique financial situation. By analyzing your profile, we can identify opportunities to save you money and offer terms that meet your needs better than the competition.
- Better Rates: Because we operate more efficiently, we can consistently offer rates that are lower than most competitors.
- Faster Closings: Our advanced systems process loans quickly, getting you into your home faster.
- Exceptional Service: By eliminating bottlenecks, we can focus on what matters most—giving you a stress-free experience.
This is just one of the ways we’re changing the game in mortgage lending, and why you can trust us to deliver the best value every time.
Submit a Competing Loan Estimate:
The Fine Print
(To Keep Things Honest and Fair)
Eligibility Criteria:- Applies only to FHA, VA, and fixed-rate Conventional loans on property in North Dakota or Minnesota.
- Loan amount must be $200,000 or higher.
- Does not apply to jumbo loans, down payment assistance/government subsidized loans, builder’s preferred lenders, or high-balance loans.
- Offer is valid only for identical loan types and terms offered by us.
To Qualify for the $1,000 Guarantee:- Submit a Competing Quote
- The quote must be an official written estimate from a licensed lender, including the lender’s name, date, loan type, loan term, purchase price, loan amount, interest rate, monthly mortgage insurance (if applicable), lender fees, discount points, and any third-party charges (e.g., appraisal, credit report, title fees).
- You must provide the competing quote to us on the same day you receive it and allow us to give you our best offer on that same day.
- To ensure a fair comparison, you must submit the same documents the competing lender has within 48 hours of submitting the competing quote, which usually includes:
- Recent pay stubs (covering the past 30 days).
- W-2s or tax returns (past 2 years).
- Bank statements (most recent 2 months).
- Authorization to pull credit for verification purposes.
- Any additional documentation requested to validate your financial qualifications.
- This documentation ensures that the loan terms provided by both lenders are based on identical borrower information, eliminating discrepancies due to incomplete or inaccurate data.
- Failure to provide these documents within the specified timeframe will void the $1,000 guarantee.
- Still Going with the Other Lender? Rate Lock with the Competing Lender
- Inform us that you’re locking your rate with the competing lender.
- Provide us with their locked Loan Estimate (LE) within 48 hours, showing the same details as the original quote.
- Final Closing Documents
- After closing, provide us with your complete, signed Closing Disclosure (CD) and loan Note.
- These documents must confirm the competing lender delivered exactly what they quoted—no changes to rate, fees, or terms. If the terms don’t match, the $1,000 guarantee does not apply.
Additional Terms:- If we offer you a better deal after you lock with a competing lender but before you close, and you choose not to proceed with our offer, the $1,000 guarantee is void.
- The guarantee applies only if the competing lender’s combination of rate, fees, and mortgage insurance is verifiably lower than ours based on identical terms.
- Offer subject to verification and review by Alliance Mortgage for compliance with these terms.
- Offer is not made company wide - this is being offered by Mortgage Loan Officer David VanAssche, NMLS 2655362
- The quote must be an official written estimate from a licensed lender, including the lender’s name, date, loan type, loan term, purchase price, loan amount, interest rate, monthly mortgage insurance (if applicable), lender fees, discount points, and any third-party charges (e.g., appraisal, credit report, title fees).
- You must provide the competing quote to us on the same day you receive it and allow us to give you our best offer on that same day.
- To ensure a fair comparison, you must submit the same documents the competing lender has within 48 hours of submitting the competing quote, which usually includes:
- Recent pay stubs (covering the past 30 days).
- W-2s or tax returns (past 2 years).
- Bank statements (most recent 2 months).
- Authorization to pull credit for verification purposes.
- Any additional documentation requested to validate your financial qualifications.
- This documentation ensures that the loan terms provided by both lenders are based on identical borrower information, eliminating discrepancies due to incomplete or inaccurate data.
- Failure to provide these documents within the specified timeframe will void the $1,000 guarantee.
- Inform us that you’re locking your rate with the competing lender.
- Provide us with their locked Loan Estimate (LE) within 48 hours, showing the same details as the original quote.
- Final Closing Documents
- After closing, provide us with your complete, signed Closing Disclosure (CD) and loan Note.
- These documents must confirm the competing lender delivered exactly what they quoted—no changes to rate, fees, or terms. If the terms don’t match, the $1,000 guarantee does not apply.
Submit a Competing Loan Estimate:
Alliance Mortgage
David Van Assche, Mortgage Advisor
NMLS 2655362
Call/Text 701-651-6353
Email: David@AllMtgLoans.com