Carta employees, friends, and family receive a 1/8% rate discount plus up to $3,500 toward closing costs*

 

Program Highlights

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• 1/8% rate discount

• $1,000 closing cost credit

• No-cost, no-obligation underwriter pre-approvals in select markets [1]

• Same-day pre-approvals available

• Expedited appraisals available at no additional cost

• Free credit score enhancement [2]

• 14-day closings available [3]

 

 

Additional Loan Options

 

• Restricted Stock Units (RSU) and bonuses considered for qualifying income

• Low down conventional, FHA, VA, and jumbo loans

• Loan options available for eligible H1-B (and other) visa holders [4]

 

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* 1/8% discount applied to par interest rate. May not be redeemed for cash. One $1,000 discount on closing costs per loan. Additional $2,500 closing credit available from Rachel Olson for using her services. Discount will be applied as a lender credit on the Closing Disclosure at closing.  Some loans are ineligible for closing cost credits including state bond loans and brokered loans. Special incentive offer subject to change without notice. This offer not valid with any other incentives or discounts. No part of credit can apply to or offset down payment. Loan must close on or before promotion expiration of December 31, 2020. 

 

[1] 3-2-1 GO Program pre-approval is based on a full review of borrower’s creditworthiness and is contingent upon there being no material changes in the borrower’s financial condition or creditworthiness at the time of final loan approval. Final loan approval is subject to the following conditions: (1) borrower has identified a suitable property and a valid appraisal supports the proposed loan amount; (2) a valid title insurance binder has been issued; and (3) borrower selects a mortgage program and locks in an interest rate that will support the pre-approved monthly payment amount. Loan must close before the expiration date provided in the pre-approval.

 

[2] Credit score improvement through rapid re-score process. No guarantee for credit score improvement. Certain restrictions may apply. 

 

[3] Closing date depends on each individual borrower’s circumstances and is not guaranteed.

 

[4] Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits.