Mr. Cooper^® Mortgage Markdown Terms and Conditions

1. Mr. Cooper’s Mortgage Markdown is a temporary buydown program that reduces the borrower’s effective interest rate and effective monthly payment for a one year period of time by establishing a custodial escrow account, which will be funded partially by the lender and partially by the borrower (in the case of a VA loan the account will be funded entirely by the lender), and funds will be dispersed from the escrow account to cover the difference in interest during the one year buydown period which subsidizes the monthly payment amount. Mortgage Markdown is available for purchase loans that are locked by 09/30/2025. Mortgage Markdown is only available on purchase loans for primary residences. Not available on jumbo loans, second mortgages, or refinance transactions. Offer may not be redeemed for cash or credit and is non-transferable. Offer cannot be retroactively applied to any loans. This offer is subject to changes or cancellation at any time at the sole discretion of Mr. Cooper. Not available on all purchase transactions. Additional restrictions/conditions may apply. Offer is contingent on qualification per full underwriting guidelines.


Mr. Cooper^® Close & Save Terms and Conditions

2. Up to $10,000 cashback based on customer purchasing a new home using an agent referred by Mr. Cooper Real Estate Services and obtaining a $1,000,000 purchase loan from Mr. Cooper for a lender credit of $5,000 and selling a $1,000,000 property using an agent referred by Mr. Cooper Real Estate Services and receiving a rebate of $5,000. Lender credit provided by Mr. Cooper. Rebate offered by independent referral brokerage to customers after closing the sale of a property. Lender credit depends on the loan amount and rebate amounts depends on property sale price so individual results will vary. Not available in all states. See full terms and conditions.

Rebate disclosure: to obtain the Mr. Cooper Close & Save rebate, customers must list and sell their property using a real estate agent referred by Mr. Cooper Real Estate Services, a licensed real estate brokerage, and an independent referral real estate brokerage. After closing, the referral brokerage will issue the rebate. Rebate is .5% of the sale price. For example, for a $250,000 sale, a customer would receive a rebate of $1,250 from the referral brokerage. Ask referral brokerage for details. Rebate not available in Alaska or Oklahoma. Rebate not available for employer-sponsored relocations or transactions in Iowa or outside the U.S. In Kansas and Tennessee, consumers will be issued gift card. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing. Rebate not available in certain transactions with restricted agent commissions (including many new constructions, For Sale by Owner, or For Sale by iBuyer transactions). The referred agent can identify transactions where the rebate is not available. Customers retain the right to negotiate their individual listing agreement. Additional restrictions/conditions may apply. Offer subject to change or cancellation without notice.

Lender Credit disclosure: to obtain the Close & Save lender credit, customers must purchase a new home using an agent referred by Mr. Cooper Real Estate Services and obtain a purchase loan from Mr. Cooper. Qualifying customers will receive a lender paid credit that is 0.5% of their loan amount. For example, on a home loan of $250,000, a customer would receive a lender credit of $1,250 toward closing costs. Offer does not apply to new loans submitted through a mortgage broker or on nonagency jumbo loans, non-QM loans, second lien products or team member loans. Offer may not be redeemed for cash and is nontransferable. Offer cannot be retroactively applied to loans where the rate has been locked. Additional restrictions/conditions may apply. Offer subject to change or cancellation without notice. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.

All agents have been independently vetted to meet performance expectations required to participate in the Mr. Cooper Real Estate Services network. You are not required to use a real estate agent referred from Mr. Cooper Real Estate Services as a condition of receiving a loan from Mr. Cooper, and you are not required to obtain a loan from Mr. Cooper to use an agent referred by Mr. Cooper Real Estate Services.

This is an advertisement and not a solicitation for agent representation if your property is currently listed with an agent. HomeSelect Settlement Solutions LLC dba Mr. Cooper Real Estate Services is a Mr. Cooper affiliate. 8950 Cypress Waters Blvd., Dallas, TX 75019. Licensed Texas Broker, license # 588848; Principal Broker Kevin Alaimo. Referrals to Mr. Cooper Real Estate Services may provide a financial benefit to Mr. Cooper. Anywhere Leads Inc.,175 Park Avenue, Madison, NJ 07940. Licensed broker in the state of Texas. Broker license #9009191; Clever Real Estate, 6358 Delmar Boulevard, Suite 300, University City, MO 63130. Licensed Texas Broker. Broker license #9010415; Jason Mitchell Real Estate LLC, 1000 Texan Trail, Suite 150, Grapevine, TX 76051. Licensed Texas Broker, Broker license # 728806; Vylla Home, 7600 Chevy Chase Rd., Suite 3, Austin, TX 78752. Licensed Texas broker, Broker License # 597813.

TREC: Consumer protection notice
https://www.trec.texas.gov/sites/default/files/pdf-forms/CN%201-5_0.pdf

Nationstar Mortgage LLC dba Mr. Cooper and HomeSelect Settlement Solutions LLC dba Mr. Cooper Real Estate Services are affiliates and separate legal entities.


Mr. Cooper^® RateSwap Terms and Conditions

3. To be eligible for Mr. Cooper’s RateSwap, you must lock a new purchase loan with Mr. Cooper by 09/30/2025. Mr. Cooper will waive the origination (application fee in New Jersey) up to $1500 on a refinance of any residential home loan with the same borrower(s) within 39 months of the purchase loan’s lock date. All other fees apply. Refinance subject to borrower and property qualifications and credit approval. Not all applicants will qualify. Refinanced loan must meet agency and investor guidelines. Limited to the initial refinance of one qualifying loan. You will be required to have made a certain number of timely monthly payments before you can refinance. Applicable on new purchase applications only. Not available for purchase loans currently in process or refinances. Other conditions and restrictions apply. Offer subject to change at any time.

Mr. Cooper^® Verified Approvals Terms and Conditions

4. In most cases. Some exceptions include self-employed applications and when all required documents are not received by 2pm CST on business days.


Mr. Cooper^® Close On Time Guarantee Terms and Conditions

5. The Mr. Cooper^® Close On Time Guarantee offers assurance to customers purchasing a home with a Mr. Cooper home loan that the loan will close on or before the contract closing date, or the customer will receive a check equal to their first month’s principal and interest payment (“Guarantee Payment”). The customer is still responsible for making all scheduled loan payments according to the loan documents. For NY customers, this may be subject to attorney availability and requires Mr. Cooper approval.

Eligibility: To be eligible for the Mr. Cooper® Close On Time Guarantee,

(1) the customer must:
(a) submit a complete application for a purchase money home loan product directly to Mr. Cooper;
(b) provide a fully-executed purchase contract which must include all pages, addendums, and required signatures;
(c) provide all requested supporting documentation (including income/asset verification documents) needed to make a loan decision and signed initial loan disclosures within 24 hours of submitting the home loan application or within 24 hours of request. All required documents must be submitted electronically using Mr. Cooper’s online portal, Loan Tracker; and
(d) remain responsive with any further requests from Mr. Cooper and third party providers (such as appraisers and inspectors) in connection with the processing and underwriting of the home loan by providing any required documentation, access to property, or other response within 24 hours of request; and
(2) The loan application must be for a first lien, conventional, VA, or FHA mortgage loan product. This offer does not apply to non-conventional, or non-QM loan products.
(3) All required appraisals and an acceptable home inspection must be received 10 days before the Guaranteed Closing Date. Title work must be completed 5 days before the Guaranteed Closing Date. Sufficient funds to close must be verified 5 business days before the Guaranteed Closing Date. All required approvals from third parties (e.g. HOA, Condo certifications, etc.) must be received 5 days prior to the Guaranteed Closing Date. If home purchase is dependent on sale of home, proceeds from home sale must be received same day or before the Guaranteed Closing Date. For home loans to be secured by new construction, Mr. Cooper must receive a completed Final Inspection and/or certificate of occupancy at least 72 hours prior to the Guaranteed Closing Date.

Guaranteed Closing Date: The purchase contract closing date ("Guaranteed Closing Date") must be at least 21 days for conventional loans and 30 days for VA and FHA loans after the date that the customer submits the complete mortgage application, purchase agreement, and all requested initial supporting documentation (including income/asset verification documents) to Mr. Cooper’s Loan Tracker portal. If the loan does not close on or before the Guaranteed Closing Date (subject to these terms and conditions), the customer will receive the Guarantee Payment in the form of a check following the home loan closing. The customer is responsible for any tax liability related to participating in the program and should consult a tax advisor if there are any questions about their personal tax situation.

Important Restrictions: The Mr. Cooper® Close On Time Guarantee will not apply if:
(1) an existing loan application has been submitted by borrower involving same subject property address as of May 19, 2019
(2) changes are made to the original closing date as documented in the purchase agreement;
(3) changes are requested to the loan amount, product, or terms requested within 10 days of the Guaranteed Closing Date;
(4) there are changes to borrower’s income, employment, or debt from time of application to closing;
(5) closing date extensions are due to a delay in completion of new construction, improvements, or property repairs;
(6) either borrower or seller fails to meet purchase contract terms and requirements including seller-related delays,
(7) home loan transaction involves a Co-op, CEMAs, or requires two or more appraisals, and/or
(8) delay in closing is due to force majeure events including weather, or natural disaster.

Mr. Cooper reserves the right to amend, terminate, or withdraw the Mr. Cooper® Close On Time Guarantee at any time without prior notice.

This is not a commitment to lend. All loans are subject to credit and property approval. This offer is non-transferable and may not be combined with any other mortgage offer. Advertised offer is subject to change. If a personal code is present on the advertised offer, you must provide such code to claim the offer. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. We also verify your identity. Income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines.