Loan Closing Guarantee.

We provide competitive rates, excellent customer service, and a seamless lending process. We offer expertise and transparency, earning trust among borrowers.


Our Commitment to You

If we say we’ll do it, we’ll do it. Let us show you what we mean. If we prequalify you for a loan with a Loan Closing Guarantee, we put our money where our mouth is. You’ll close as expected. And if you don’t?

We’ll give $2,500 to you, and $2,500 to the seller.*

Make your offer stronger.

Make yourself more confident.

Get our Loan Closing Guarantee.

*Conditions apply.
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Guarantee Certificate


Primary Residential Mortgage, Inc. - Sugarhouse (PRMI – Sugarhouse. Office 919520), hereby guarantees to “Borrower” and “Seller” that the proposed mortgage loan from PRMI office 919520 to Borrower will close or PRMI office 919520 will reimburse the Borrower their appraisal fee, property inspection fee, and/or forfeited earnest money, not to exceed a total of $2,500.00 and pay Seller cash in the amount of $2,500.00 (“Guarantee”).


To be eligible for this Guarantee:

1. The Seller must be the record owner and seller of the real property described in the purchase contract between Borrower and Seller (the “Property”);

2. The Borrower has completed a new residential first-lien loan application and has submitted the application directly to PRMI office 919520 for the purpose of obtaining a mortgage loan from PRMI office 919520;

3. The Borrower and Seller have provided a fully-executed purchase contract (“Contract”) which must include all pages, addenda, and required signatures;

4. the Borrower has submitted all necessary pre-approval documents requested by PRMI office 919520 to determine Borrower’s qualification for a loan, and has received (i) a Pre-Approval letter from PRMI office 919520 prior to entering into the Contract; and (ii) a Certificate of Loan Guarantee from PRMI office 919520;

5. All information provided by the Borrower, including information on the loan application, must be accurate and must not contain fraudulent information or material misrepresentations;

6. The actual appraised value of the Property must be equal to or greater than the purchase price in the Contract and must be satisfactory to PRMI office 919520;

7. The Borrower must satisfy all loan requirements and conditions at least seven (7) days prior to the anticipated closing date;

8. If the loan product is intended to be an FHA or VA loan, the Property must qualify for FHA/VA financing; and

9. PRMI office 919520 must be able to obtain, in its sole discretion, satisfactory title insurance coverage showing Borrower as the insured owner of the Property and insuring the loan and not containing any exceptions, exclusions or conditions that are not acceptable to PRMI office 919520.


PRMI office 919520 will perform this Guarantee only if each of the following circumstances occur:

1. the loan closing does not take place after PRMI office 919520 has determined that the Borrower satisfies its internal underwriting requirements to be deemed a qualified borrower and a Pre-Approval Letter has been provided to the Borrower by PRMI office 919520; and

the loan closing does not occur solely due to error on the part of PRMI office 919520.


Any of the following will cancel the Guarantee:

1. changes in the loan amount, product, or terms that unnecessarily extend the anticipated closing date;

2. failure by either party to meet Contract terms and requirements including delays caused by or related to Seller;

3. delays due to force majeure events including weather or natural disaster;

4. delays caused by third parties other than PRMI office 919520 required service providers;

5. delays due to Borrower’s failure to respond to PRMI office 919520 requests within two (2) business days;

6. failure to make a claim under this Guarantee within 30 days of meeting its Conditions;

7. any actions taken by the Borrower that materially change the Borrower’s creditworthiness or financial situation;

8. any actions that make payment under the Guarantee legally prohibited, including bankruptcy, regulatory changes, and the like;

9. PRMI office 919520 declines the loan after the loan has been pre-approved due to actions by the Borrower;

10. the Borrower voluntarily withdraws the loan application;

11. the Seller cancels the Contract;

12. after expiration of the closing date set forth in the purchase contract, the Borrower has the right to receive and the Seller has the obligation to refund the Borrower’s earnest money.


The Guarantee shall not apply in the following mortgage loan transactions:

1. the mortgage loan is a refinance loan;

2. the mortgage loan requires any subordination of a prior loan or lien;

3. a loan applicant who has disputed credit accounts;

4. a loan involving property requiring repairs or re-inspection; or

5. a loan involving property which is new construction, a co-op, a bank-owned property, or a home purchased through a short sale.


This Guarantee is governed by the laws of The Unites States of America without regard to conflict of laws principles.

PRMI office 919520 reserves the right to amend, terminate, or withdraw this Loan Closing Guarantee at any time without prior notice.