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Price Promise

We will beat any lender’s offer or give you a $250 VISA gift card

The Process:

  1. Borrower must complete application with Envoy Mortgage
  2. Borrower must provide a complete Loan Estimate (LE) listing the lender’s name dated the same day as Envoy’s LE for an identical loan program.
  3. LE must be emailed to Todd Johnson at within 1 day of receiving the LE from the other lender.
  4. Envoy sales management must be able to verify the accuracy of the rate and fees listed on the LE from the other lender.

Our Promise:

  • Envoy will beat the competing lender’s total loan price (or) provide the borrower a $250 VISA gift card.

To Qualify for VISA card:

  1. Envoy does not provide a better offer than the LE provided from the other lender
  2. Borrower closes his/her loan within 30 calendar days with the same lender listed on the LE that was originally provided to Envoy.
  3. Borrower receives the same loan program, rate & fees that were listed on the LE that was originally provided to Envoy.
  4. Borrower must email a copy of the signed Note and Final Closing Disclosure to within 72 hours of the loan closing.

Further Details & Conditions:

  • The Price Promise is not applicable if you have already locked your rate with Envoy Mortgage.
  • The Price Promise only applies to Conforming, FHA, VA and USDA fixed rate loan programs with loan amounts over $100,000
  • The Price Promise is only applicable for transactions with the Louisville, KY and Brookfield, WI offices.
  • All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states.  Other restrictions and limitations may apply. This is not a commitment to lend. Envoy Mortgage Ltd. – NMLS # 6666, 2000 Warrington Way, Suite 220, Louisville, Kentucky 40222, Phone # 502-627-1912. Todd Johnson NMLS # 101940