Cyber Monday Rate Drop Promotion
LEGAL DISCLAIMER / TERMS AND CONDITIONS
This promotion is offered for a limited time only and is subject to the terms and conditions outlined herein.
1. Promotion Period and Eligibility:
- Offer: Eligible loans will receive a reduction of 150 basis points (bps) off the base interest rate.
- Availability: The reduced rate is available for one day only on Monday, December 1, 2025.
- Eligible Loans: Only new submissions of fix and flip loans and ground up loans submitted on 12/1/25 are eligible.
- Ineligible Loans: Stabilized bridge loans and loans already existing in the system prior to 12/1/25 are not eligible for this promotion.
- Volume Limitations: Promotional pricing is only available for up to the first 1,000 eligible loans submitted during the promotion period. Meeting this volume threshold does not guarantee qualification for promotional terms.
2. Submission and Closing Requirements:
- Submission Deadline: To qualify, the complete loan application must be submitted on Monday, December 1, 2025.
- Credit/Background Check Requirement: All necessary credit and background checks must also be successfully in the system by end of day on December 1, 2025 HST.. Failure to meet this requirement will result in disqualification from the rate adjustment.
- Closing Deadline: Qualified loans must be funded and closed within 90 days of submission, no later than February 28, 2026. Loans not funded by 2/28/26 will automatically be adjusted to the prevailing rates at that time.
3. Third-Party Originators (TPOs):
- The base rate, penalty zone floor, and yield spread for TPOs will be adjusted 150 bps lower from current prevailing rates. TPOs have the discretion to pass on the full rate reduction to the borrower or retain a higher rate for a greater share of the yield spread.
4. General Conditions:
- The term sheet or quote provided will reflect the reduced rate; however, no specific “promo” language will be used on these documents.
- The lender reserves the right to review all submissions, including but not limited to checking for resubmitted loans, address changes, and guarantor changes throughout December 2025 to ensure compliance with the terms of the promotion. Any attempt to manipulate the system to improperly obtain the promotional rate will result in disqualification.
- All promotional terms, including any automatic adjustments to LLPA (Loan-Level Price Adjustment) factors (e.g., GU LLPA, California loans, Proflip, High FICO box LLPA), are subject to change without prior notice.
4. General Conditions:
- The term sheet or quote provided will reflect the reduced rate; however, no specific “promo” language will be used on these documents.
- The lender reserves the right to review all submissions, including but not limited to checking for resubmitted loans, address changes, and guarantor changes throughout December 2025 to ensure compliance with the terms of the promotion. Any attempt to manipulate the system to improperly obtain the promotional rate will result in disqualification.
- All promotional terms, including any automatic adjustments to LLPA (Loan-Level Price Adjustment) factors (e.g., GU LLPA, California loans, Proflip, High FICO box LLPA), are subject to change without prior notice.
5. Manual Adjustments:
- In certain circumstances (including loans not ATF by 1/1/26, loans with points adjusted on or after 1/1/26, or loans where the “edit loan” feature is used), pricing may require manual intervention by the committee or sales management.
This is a special, limited-time offer and does not constitute a guarantee of loan approval, funding timeline or closing dates. All loan products referenced herein are offered solely for business-purpose and are not intended for personal, family, or household use. Promotional pricing or terms are not automatic and are available only to qualified borrowers who meet all applicable credit, underwriting and eligibility criteria. All loans are subject to, among other things, Roc360’s credit approval, underwriting standards, due diligence review, appraisal requirements and execution of definitive loan documents.
CYBER MONDAY PROMO
Submit the form below and a member of our team will connect with you about the Cyber Monday Rate Drop Promo.
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