Home Loans Special Offers

Advertiser Disclosure

We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

Credit Karma Low Rate Guarantee Program FAQs

What is the Low Rate Guarantee?

We work hard to bring you the lowest rates you qualify for. We’re so confident in our low rates that if you find a lower interest rate elsewhere and still fund your loan through us, we’ll give you $1,000 back.

Which lenders are participating in the Low Rate Guarantee?

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

How do I qualify for the Low Rate Guarantee?

In order to qualify for the Low Rate Guarantee:

  • You must have seen the language specifically describing the guarantee in the Credit Karma mortgage experience.
  • You must select a mortgage rate offer on Credit Karma and apply for a mortgage through Credit Karma with one of the participating lenders.
  • You must fund your mortgage with a participating lender no later than June 30, 2019.
  • You must obtain a loan estimate with a lower interest rate from another lender that you found from a source other than on Credit Karma and that is based on the same lending assumptions and criteria as the loan you obtained from a Credit Karma participating lender. The loan estimate from the competing lender must be dated within plus or minus 10 days of the date you lock your interest rate with the participating lender.
  • You must submit your claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

How do I file a claim?

Start by filling out and submitting the online claim form. You’ll need to provide your name, email address, date of birth, your lender’s name, your loan number from the lender, the date you locked your rate, the date your loan was funded, and the interest rate you received from a competing lender.

You will also need to provide a copy of your mortgage loan Closing Disclosure, which should include your mortgage loan interest rate, as well as a copy of the loan estimate you received from the competing lender.

What happens once your claim is received?

Once your claim is received, our Member Support team will verify the following:

  • That you applied for the offer through Credit Karma;
  • That you funded your mortgage with the participating lender.
  • That the interest rate on the competing lender’s loan estimate is lower than the interest rate on your closing disclosure.
  • If your claim is accepted, we will send you the $1,000 in the form of a Visa e-gift card to the email address you provided in the claim form.
  • If your claim is denied, we will send you an email letting you know your claim has been denied.

What’s the catch?

There is no catch. Credit Karma’s mission is to help our members achieve financial progress and accomplish their financial goals, and this is an additional step in that direction.


Credit Karma Low Rate Guarantee Program Terms and Conditions

The Credit Karma Low Rate Guarantee Program (the “Program”) is provided by Credit Karma, Inc. (“Credit Karma”) as of April 18, 2019. By participating in the Program, you are acknowledging and agreeing to these Program Terms and Conditions (“Terms and Conditions”) and the Credit Karma Terms of Service, which are incorporated in and form a part of this Program. Capitalized terms that are not defined herein will have the same meaning given to them in the Credit Karma Terms of Service.

Section 1. The Program

If you use the Credit Karma platform, you are approved and fund your mortgage with a participating mortgage lender, as described in Section 2 below, and you find a mortgage with a lower interest rate elsewhere, you will be eligible to receive a one thousand dollar ($1,000) Visa e-gift card from Credit Karma.

Section 2. How to Participate

In order to qualify for the Program, you must:

(a) see language in the Credit Karma mortgage experience describing the Program;

(b) select a mortgage rate offer on Credit Karma and apply, individually or with one or more co-applicants, for a mortgage through the Credit Karma site with one of the participating lenders listed below (each, a “Participating Lender”);

(c) be approved for a mortgage loan with a Participating Lender and fund your mortgage loan with a Participating Lender not later than June 30, 2019;

(d) obtain from a source other than on Credit Karma a written loan estimate from another lender (a “Competing Estimate”), dated no more than 10 days earlier or 10 days later than the date you locked the interest rate for your funded mortgage loan with a Participating Lender, which Competing Estimate includes a lower interest rate than the interest rate for your funded mortgage loan with a Participating Lender, based on the same lending assumptions and criteria as applicable to your funded mortgage loan; and

(e) submit your Program claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

The following Participating Lenders are participating in the Program:.

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

Section 3. Submitting a Claim

Your Program claim must be submitted online.  The Program claim form can be found at https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=360000380652. To claim your $1,000 Visa e-gift card, you must submit an accurate and complete Program claim form that includes the following information:

  1. your name;
  2. your email address;
  3. your date of birth;
  4. the Participating Lender’s name;  
  5. the Participating Lender’s loan number;
  6. the date you locked your mortgage loan interest rate; and
  7. the date your mortgage loan was funded.

The Participating Lender’s loan number can be found in the upper-right hand corner of your Closing Disclosure under the label “Loan ID#.”

You must submit with your Program claim form (i) a copy of your mortgage loan closing documents with the Participating Lender, which shall include your mortgage loan interest rate, and (ii) a copy of the Competing Estimate.

All of your claim materials must be submitted no later than 30 days from the date your mortgage loan was funded.

Section 4. Review of Claims and Notification

Credit Karma will review your submitted Program claim to verify your eligibility for the Program and to confirm that your Program claim is accurate and complete.  Credit Karma retains sole discretion over all eligibility determinations, including whether the Competing Estimate is based on the same lending assumptions and criteria as your funded mortgage loan, and reserves the right to disqualify any individual from participation in the Program.  If Credit Karma requests further information from you in connection with the Program, you must respond timely to such requests, and in accordance with any stated deadline, to retain your eligibility under the Program.

If your Program claim is approved, you will be sent an email to the address included on your claim form with your $1000 Visa e-gift card.

If your Program claim is denied, you will be sent an email to the address included on your claim form that informs you of Credit Karma’s decision.  All decisions are final.

Section 5.  Redeeming your Program Reward

If your Program claim is approved, you will be sent an email with your Visa e-gift card code and instructions on how to redeem the e-gift card.

Section 6.  Limitations

You must be 18 years or older to be eligible for the Program.  Limit of one Visa e-gift card under the Program per person. No more than $2000 in Visa e-gift cards or other awards may be awarded by Credit Karma to any person under this Program or any other Credit Karma program.  Participation emails and participation in the Program are not transferable to any other person. This Program is intended for viewing and participation in the 50 United States and District of Columbia (the “Area”). Do not attempt to participate in the Program if you are not a resident of the Area at the time of participation. In addition, you may not apply for the Program if you or your immediate family member is an employee of a Participating Lender. An immediate family member is a parent, child, grandparent, grandchild, or sibling (including “steps” and in-laws).

Section 7. Program Changes, Updates and Cancellation

Credit Karma reserves the right in its sole and absolute discretion to suspend or terminate this Program, and suspend or terminate a person’s ability to participate in this Program, at any time, without prior notice, and for any reason. In addition, Credit Karma reserves the right to make changes to this Program, including adding new terms and conditions or modifying existing terms and conditions. Credit Karma reserves the right to provide the Program in a form other than the Visa e-gift card, in an award of equal or greater value, for any reason.

Section 8. Other Terms

Credit Karma is not responsible for late, lost, damaged, incomplete, illegible, faulty, or incorrect claim submissions, incorrect announcements of any kind, technical hardware or software failures of any kind, any damage to any person’s computer or mobile device related to or resulting from participating in this Program, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmission that may limit a user’s ability to participate in this Program whether caused by computer, technical or human error. Credit Karma reserves the right to disqualify any individual from participation in this Program if Credit Karma concludes, in its sole discretion, that such person: (a) has attempted to tamper with the operation of this Program; (b) has disregarded or has attempted to circumvent these Terms and Conditions; (c) has committed fraud or attempted to undermine the legitimate operation of the Program; or (d) has acted toward Credit Karma or any other participant in an unfair, inequitable, annoying, threatening, disruptive, or harassing manner. If a dispute arises regarding compliance with these Terms and Conditions, Credit Karma may consider, in its sole discretion, data reasonably available to Credit Karma through information technology systems in Credit Karma’s control, but Credit Karma will not be obligated to consider any data or other information collected from any other source.

These Terms and Conditions, together with the Credit Karma Terms of Service, make up the entire agreement between Credit Karma and you relating to the Program, and replace any prior understandings or agreements (whether oral or written) regarding the Program.


Credit Karma Rate Lock Protection Program FAQs

What is Rate Lock Protection?

In a volatile market, mortgage rates can rise and fall. So to help you lock your rate with confidence, we’ve got your back. If rates drop by more than one eight of one percent (0.125%) after you lock, no worries: we’ll give you a boost with $1,000 back after you close.

Which lenders are participating in the Rate Lock Protection?

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

How do I qualify for the Rate Lock Protection?

In order to qualify for the Rate Lock Protection:

  • You must have seen the language specifically describing the guarantee in the Credit Karma mortgage experience.
  • You must select a mortgage rate offer on Credit Karma and apply for a mortgage through Credit Karma with one of the participating lenders.
  • You must fund your mortgage with a participating lender no later than June 30, 2019.
  • Mortgage interest rates must have fallen by more than 0.125% during your rate lock period.
  • You must submit your claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

How do I file a claim?

Start by filling out and submitting the online claim form. You’ll need to provide your name, email address, date of birth, your lender’s name, your loan number from the lender, the date you locked your interest rate, and the date your loan was funded.

In addition, you will need to provide a copy of the rate lock confirmation you received from the participating lender after you locked your mortgage loan interest rate.

What happens once your claim is received?

Once your claim is received, our Member Support team will verify the following:

  • That you applied for the offer through Credit Karma;
  • That you funded your mortgage with the participating lender.
  • That mortgage interest rates fell by more than 0.125% during your rate lock period.
  • If your claim is accepted, we will send you the $1,000 in the form of a Visa e-gift card to the email address you provided in the claim form.
  • If your claim is denied, we will send you an email letting you know your claim has been denied.

What’s the catch?

There is no catch. Credit Karma’s mission is to help our members achieve financial progress and accomplish their financial goals, and this is an additional step in that direction.


Credit Karma Rate Lock Protection Program Terms and Conditions

The Credit Karma Rate Lock Protection Program (the “Program”) is provided by Credit Karma, Inc. (“Credit Karma”) as of April 18, 2019. By participating in the Program, you are acknowledging and agreeing to these Program Terms and Conditions (“Terms and Conditions”) and the Credit Karma Terms of Service, which are incorporated in and form a part of this Program. Capitalized terms that are not defined herein will have the same meaning given to them in the Credit Karma Terms of Service.

Section 1. The Program

If you use the Credit Karma platform, you are approved and fund your mortgage with a participating mortgage lender, as described in Section 2 below, and interest rates drop by more than one eighth of one percent (0.125%) after you lock your mortgage rate and before you fund your mortgage, you will be eligible to receive a one thousand dollar ($1,000) Visa e-gift card from Credit Karma.

Section 2. How to Participate

In order to qualify for the Program, you must:

(a) see language in the Credit Karma mortgage experience describing the Program;

(b) select a mortgage rate offer on Credit Karma and apply, individually or with one or more co-applicants, for a mortgage through the Credit Karma site with one of the participating lenders listed below (each, a “Participating Lender”);

(c) be approved for a mortgage loan with a Participating Lender and fund your mortgage loan with a Participating Lender not later than June 30, 2019;

(d) see a drop in mortgage interest rates of more than one eighth of one percent (0.125%) between the period of time after you lock your mortgage rate and before you fund your mortgage; and

(e) submit your Program claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

The following Participating Lenders are participating in the Program:.

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

Section 3. Submitting a Claim

Your Program claim must be submitted online.  The Program claim form can be found at https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=360000380632. To claim your $1,000 Visa e-gift card, you must submit an accurate and complete Program claim form that includes the following information:

  1. your name;
  2. your email address;
  3. your date of birth;
  4. the Participating Lender’s name;  
  5. the Participating Lender’s loan number;
  6. the date you locked your mortgage loan interest rate; and
  7. the date your mortgage loan was funded.

The Participating Lender’s loan number can be found in the upper-right hand corner of your Closing Disclosure under the label “Loan ID#.”

You must submit with your Program claim form a copy of the rate lock confirmation you received from the Participating Lender after you locked your mortgage loan interest rate.  

All of your claim materials must be submitted no later than 30 days from the date your mortgage loan was funded.

Section 4. Review of Claims and Notification

Credit Karma will review your submitted Program claim to verify your eligibility for the Program and to confirm that your Program claim is accurate and complete.  Credit Karma retains sole discretion over all eligibility determinations, including whether mortgage interest rates dropped by more than one eighth of one percent (0.125%) between the period of time after you locked your mortgage rate and before you funded your mortgage, and reserves the right to disqualify any individual from participation in the Program.  If Credit Karma requests further information from you in connection with the Program, you must respond timely to such requests, and in accordance with any stated deadline, to retain your eligibility under the Program.

If your Program claim is approved, you will be sent an email to the address included on your claim form with your $1000 Visa e-gift card.

If your Program claim is denied, you will be sent an email to the address included on your claim form that informs you of Credit Karma’s decision.  All decisions are final.

Section 5.  Redeeming your Program Reward

If your Program claim is approved, you will be sent an email with your Visa e-gift card code and instructions on how to redeem the e-gift card.

Section 6.  Limitations

You must be 18 years or older to be eligible for the Program.  Limit of one Visa e-gift card under the Program per person. No more than $2000 in Visa e-gift cards or other awards may be awarded by Credit Karma to any person under this Program or any other Credit Karma program.  Participation emails and participation in the Program are not transferable to any other person. This Program is intended for viewing and participation in the 50 United States and District of Columbia (the “Area”). Do not attempt to participate in the Program if you are not a resident of the Area at the time of participation. In addition, you may not apply for the Program if you or your immediate family member is an employee of a Participating Lender. An immediate family member is a parent, child, grandparent, grandchild, or sibling (including “steps” and in-laws).

Section 7. Program Changes, Updates and Cancellation

Credit Karma reserves the right in its sole and absolute discretion to suspend or terminate this Program, and suspend or terminate a person’s ability to participate in this Program, at any time, without prior notice, and for any reason. In addition, Credit Karma reserves the right to make changes to this Program, including adding new terms and conditions or modifying existing terms and conditions. Credit Karma reserves the right to provide the Program in a form other than the Visa e-gift card, in an award of equal or greater value, for any reason.

Section 8. Other Terms

Credit Karma is not responsible for late, lost, damaged, incomplete, illegible, faulty, or incorrect claim submissions, incorrect announcements of any kind, technical hardware or software failures of any kind, any damage to any person’s computer or mobile device related to or resulting from participating in this Program, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmission that may limit a user’s ability to participate in this Program whether caused by computer, technical or human error. Credit Karma reserves the right to disqualify any individual from participation in this Program if Credit Karma concludes, in its sole discretion, that such person: (a) has attempted to tamper with the operation of this Program; (b) has disregarded or has attempted to circumvent these Terms and Conditions; (c) has committed fraud or attempted to undermine the legitimate operation of the Program; or (d) has acted toward Credit Karma or any other participant in an unfair, inequitable, annoying, threatening, disruptive, or harassing manner. If a dispute arises regarding compliance with these Terms and Conditions, Credit Karma may consider, in its sole discretion, data reasonably available to Credit Karma through information technology systems in Credit Karma’s control, but Credit Karma will not be obligated to consider any data or other information collected from any other source.

These Terms and Conditions, together with the Credit Karma Terms of Service, make up the entire agreement between Credit Karma and you relating to the Program, and replace any prior understandings or agreements (whether oral or written) regarding the Program.


Credit Karma Customer Service Guarantee Program FAQs

What is the Customer Service Guarantee?

When it comes to a big purchase like a mortgage, you want to work with someone you trust. That’s why we screen our lenders for excellent customer service. And we’re willing to back up our choice. So if you aren’t satisfied with your experience, let us know what went wrong, and we’ll make it up to you with $1,000 from our own pocket — no strings attached.

Which lenders are participating in the Customer Service Guarantee?

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

How do I qualify for the Customer Service Guarantee?

In order to qualify for the Customer Service Guarantee:

  • You must have seen the language specifically describing the guarantee in the Credit Karma mortgage experience.
  • You must select a mortgage rate offer on Credit Karma and apply for a mortgage through Credit Karma with one of the participating lenders.
  • You must fund your mortgage with a participating lender no later than June 30, 2019.
  • You must submit your claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

How do I file a claim?

Start by filling out and submitting the online claim form. You’ll need to provide your name, email address, date of birth, your lender’s name, your loan number from the lender, and the date your loan was funded.

You will need to provide a detailed explanation of why you were dissatisfied with your experience with the participating lender and what could have been improved with their customer service. You will also need to agree to being contacted by Credit Karma to discuss the details of your customer service experience.

What happens once your claim is received?

Once your claim is received, our Member Support team will verify the following:

  • That you applied for the offer through Credit Karma;
  • That you funded your mortgage with the participating lender.
  • That we understand your feedback in order to increase the quality of the customer service of our participating lenders.
  • If your claim is accepted, we will send you the $1,000 in the form of a Visa e-gift card to the email address you provided in the claim form.
  • If your claim is denied, we will send you an email letting you know your claim has been denied.

What’s the catch?

There is no catch. Credit Karma’s mission is to help our members achieve financial progress and accomplish their financial goals, and this is an additional step in that direction.


Credit Karma Customer Service Guarantee Program Terms and Conditions

The Credit Karma Customer Service Guarantee Program (the “Program”) is provided by Credit Karma, Inc. (“Credit Karma”) as of April 18, 2019. By participating in the Program, you are acknowledging and agreeing to these Program Terms and Conditions (“Terms and Conditions”) and the Credit Karma Terms of Service, which are incorporated in and form a part of this Program. Capitalized terms that are not defined herein will have the same meaning given to them in the Credit Karma Terms of Service.

Section 1. The Program

If you use the Credit Karma platform, you are approved and fund your mortgage with a participating mortgage lender, as described in Section 2 below, and you were not satisfied with your customer service experience with your lender, you will be eligible to receive a one thousand dollar ($1,000) Visa e-gift card from Credit Karma.

Section 2. How to Participate

In order to qualify for the Program, you must:

(a) see language in the Credit Karma mortgage experience describing the Program;

(b) select a mortgage rate offer on Credit Karma and apply, individually or with one or more co-applicants, for a mortgage through the Credit Karma site with one of the participating lenders listed below (each, a “Participating Lender”);

(c) be approved for a mortgage loan with a Participating Lender and fund your mortgage loan with a Participating Lender not later than June 30, 2019;

(d) experience dissatisfaction with your customer service experience with the Participating Lender; and

(e) submit your Program claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

The following Participating Lenders are participating in the Program:.

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

Section 3. Submitting a Claim

Your Program claim must be submitted online.  The Program claim form can be found at https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=360000380672. To claim your $1,000 Visa e-gift card, you must submit an accurate and complete Program claim form that includes the following information:

  1. your name;
  2. your email address;
  3. your date of birth;
  4. the Participating Lender’s name;  
  5. the Participating Lender’s loan number; and
  6. the date your mortgage loan was funded.

The Participating Lender’s loan number can be found in the upper-right hand corner of your Closing Disclosure under the label “Loan ID#.”

You must submit with your Program claim form a written explanation of why you were dissatisfied with your customer service experience with the Participating Lender and consent to Credit Karma calling you to discuss the details of your customer service experience.

All of your claim materials must be submitted no later than 30 days from the date your mortgage loan was funded.

Section 4. Review of Claims and Notification

Credit Karma will review your submitted Program claim, as well as any additional information gathered from any subsequent conversations with you about your customer service experience, to verify your eligibility for the Program and to confirm that your Program claim is accurate and complete.  Credit Karma retains sole discretion over all eligibility determinations, including whether your customer service experience qualifies for the Program, and reserves the right to disqualify any individual from participation in the Program. If Credit Karma requests further information from you in connection with the Program, you must respond timely to such requests, and in accordance with any stated deadline, to retain your eligibility under the Program.

If your Program claim is approved, you will be sent an email to the address included on your claim form with your $1000 Visa e-gift card.

If your Program claim is denied, you will be sent an email to the address included on your claim form that informs you of Credit Karma’s decision.  All decisions are final.

Section 5.  Redeeming your Program Reward

If your Program claim is approved, you will be sent an email with your Visa e-gift card code and instructions on how to redeem the e-gift card.

Section 6.  Limitations

You must be 18 years or older to be eligible for the Program.  Limit of one Visa e-gift card under the Program per person. No more than $2000 in Visa e-gift cards or other awards may be awarded by Credit Karma to any person under this Program or any other Credit Karma program.  Participation emails and participation in the Program are not transferable to any other person. This Program is intended for viewing and participation in the 50 United States and District of Columbia (the “Area”). Do not attempt to participate in the Program if you are not a resident of the Area at the time of participation. In addition, you may not apply for the Program if you or your immediate family member is an employee of a Participating Lender. An immediate family member is a parent, child, grandparent, grandchild, or sibling (including “steps” and in-laws).

Section 7. Program Changes, Updates and Cancellation

Credit Karma reserves the right in its sole and absolute discretion to suspend or terminate this Program, and suspend or terminate a person’s ability to participate in this Program, at any time, without prior notice, and for any reason. In addition, Credit Karma reserves the right to make changes to this Program, including adding new terms and conditions or modifying existing terms and conditions. Credit Karma reserves the right to provide the Program in a form other than the Visa e-gift card, in an award of equal or greater value, for any reason.

Section 8. Other Terms

Credit Karma is not responsible for late, lost, damaged, incomplete, illegible, faulty, or incorrect claim submissions, incorrect announcements of any kind, technical hardware or software failures of any kind, any damage to any person’s computer or mobile device related to or resulting from participating in this Program, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmission that may limit a user’s ability to participate in this Program whether caused by computer, technical or human error. Credit Karma reserves the right to disqualify any individual from participation in this Program if Credit Karma concludes, in its sole discretion, that such person: (a) has attempted to tamper with the operation of this Program; (b) has disregarded or has attempted to circumvent these Terms and Conditions; (c) has committed fraud or attempted to undermine the legitimate operation of the Program; or (d) has acted toward Credit Karma or any other participant in an unfair, inequitable, annoying, threatening, disruptive, or harassing manner. If a dispute arises regarding compliance with these Terms and Conditions, Credit Karma may consider, in its sole discretion, data reasonably available to Credit Karma through information technology systems in Credit Karma’s control, but Credit Karma will not be obligated to consider any data or other information collected from any other source.

These Terms and Conditions, together with the Credit Karma Terms of Service, make up the entire agreement between Credit Karma and you relating to the Program, and replace any prior understandings or agreements (whether oral or written) regarding the Program.


Credit Karma Closing Time Guarantee Program FAQs

What is the Closing Time Guarantee?

Closing time can make or break an offer — so you want to trust that your lender will seal the deal in the time they promise. We’re confident in the lenders in our network, and we’ll back their service. If your loan funds after the agreed upon closing date in your purchase contract, we’ll credit you back $1,000.

Which lenders are participating in the Closing Time Guarantee?

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

How do I qualify for the Closing Time Guarantee?

In order to qualify for the Closing Time Guarantee:

  • You must have seen the language specifically describing the guarantee in the Credit Karma mortgage experience.
  • You must select a mortgage rate offer on Credit Karma and apply for a mortgage through Credit Karma with one of the participating lenders.
  • You must fund your mortgage with a participating lender no later than June 30, 2019.
  • Your loan must have funded after the closing date set forth in your purchase contract.
  • The delay in the closing and funding of your mortgage loan must have been within the control of the participating lender.
  • You must submit your claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

How do I file a claim?

Start by filling out and submitting the online claim form. You’ll need to provide your name, email address, date of birth, your lender’s name, your loan number from the lender, the closing date on your purchase contract, and the date your loan was funded.

You will also need to provide a copy of your purchase contract that shows the closing date of your mortgage loan.

What happens once your claim is received?

Once your claim is received, our Member Support team will verify the following:

  • That you applied for the offer through Credit Karma;
  • That you funded your mortgage with the participating lender.
  • That the delay in closing and funding of the your mortgage loan was the result of factors within the control of the participating lender.
  • If your claim is accepted, we will send you the $1,000 in the form of a Visa e-gift card to the email address you provided in the claim form.
  • If your claim is denied, we will send you an email letting you know your claim has been denied.

What’s the catch?

There is no catch. Credit Karma’s mission is to help our members achieve financial progress and accomplish their financial goals, and this is an additional step in that direction.


Credit Karma Closing Time Guarantee Program Terms and Conditions

The Credit Karma Closing Time Guarantee Program (the “Program”) is provided by Credit Karma, Inc. (“Credit Karma”) as of April 18, 2019. By participating in the Program, you are acknowledging and agreeing to these Program Terms and Conditions (“Terms and Conditions”) and the Credit Karma Terms of Service, which are incorporated in and form a part of this Program. Capitalized terms that are not defined herein will have the same meaning given to them in the Credit Karma Terms of Service.

Section 1. The Program

If you use the Credit Karma platform, you are approved for a mortgage loan with a participating mortgage lender, and you fund your mortgage with the participating mortgage lender, as described in Section 2 below, after the closing date set forth in your purchase contract, you will be eligible to receive a one thousand dollar ($1,000) Visa e-gift card from Credit Karma.

Section 2. How to Participate

In order to qualify for the Program, you must:

(a) see language in the Credit Karma mortgage experience describing the Program;

(b) select a mortgage rate offer on Credit Karma and apply, individually or with one or more co-applicants, for a mortgage through the Credit Karma site with one of the participating lenders listed below (each, a “Participating Lender”);

(c) be approved for a mortgage loan with a Participating Lender;

(d) fund your mortgage loan with a Participating Lender not later than June 30, 2019, but after the closing date set forth in your purchase contract;

(e) experience a delay in the closing and funding of your mortgage loan that was within the control of the Participating Lender; and

(f) submit your Program claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

The following Participating Lenders are participating in the Program:.

  • Agora Lending
  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • Lending.com
  • First Internet Bank
  • J.G. Wentworth Home Lending, LLC
  • LenderFi
  • NBKC Bank
  • New American Funding
  • Newfi Lending
  • Northpointe Bank
  • Sebonic Financial
  • Watermark Home Loans

Section 3. Submitting a Claim

Your Program claim must be submitted online.  The Program claim form can be found at https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=360000387211. To claim your $1,000 Visa e-gift card, you must submit an accurate and complete Program claim form that includes the following information:

  1. your name;
  2. your email address;
  3. your date of birth;
  4. the Participating Lender’s name;  
  5. the Participating Lender’s loan number;
  6. the closing date set forth in your purchase contract; and
  7. the date your mortgage loan was funded.

The Participating Lender’s loan number can be found in the upper-right hand corner of your Closing Disclosure under the label “Loan ID#.”

You must submit with your Program claim form a copy of your purchase contract that shows the closing date for your mortgage loan.

All of your claim materials must be submitted no later than 30 days from the date your mortgage loan was funded.

Section 4. Review of Claims and Notification

Credit Karma will review your submitted Program claim to verify your eligibility for the Program and to confirm that your Program claim is accurate and complete.  Credit Karma retains sole discretion over all eligibility determinations, including whether the delay in the closing of your mortgage loan was the result of factors within the control of the Participating Lender, and reserves the right to disqualify any individual from participation in the Program.  If Credit Karma requests further information from you in connection with the Program, you must respond timely to such requests, and in accordance with any stated deadline, to retain your eligibility under the Program.

If your Program claim is approved, you will be sent an email to the address included on your claim form with your $1000 Visa e-gift card.

If your Program claim is denied, you will be sent an email to the address included on your claim form that informs you of Credit Karma’s decision.  All decisions are final.

Section 5.  Redeeming your Program Reward

If your Program claim is approved, you will be sent an email with your Visa e-gift card code and instructions on how to redeem the e-gift card.

Section 6.  Limitations

You must be 18 years or older to be eligible for the Program.  Limit of one Visa e-gift card under the Program per person. No more than $2000 in Visa e-gift cards or other awards may be awarded by Credit Karma to any person under this Program or any other Credit Karma program.  Participation emails and participation in the Program are not transferable to any other person. This Program is intended for viewing and participation in the 50 United States and District of Columbia (the “Area”). Do not attempt to participate in the Program if you are not a resident of the Area at the time of participation. In addition, you may not apply for the Program if you or your immediate family member is an employee of a Participating Lender. An immediate family member is a parent, child, grandparent, grandchild, or sibling (including “steps” and in-laws).

Section 7. Program Changes, Updates and Cancellation

Credit Karma reserves the right in its sole and absolute discretion to suspend or terminate this Program, and suspend or terminate a person’s ability to participate in this Program, at any time, without prior notice, and for any reason. In addition, Credit Karma reserves the right to make changes to this Program, including adding new terms and conditions or modifying existing terms and conditions. Credit Karma reserves the right to provide the Program in a form other than the Visa e-gift card, in an award of equal or greater value, for any reason.

Section 8. Other Terms

Credit Karma is not responsible for late, lost, damaged, incomplete, illegible, faulty, or incorrect claim submissions, incorrect announcements of any kind, technical hardware or software failures of any kind, any damage to any person’s computer or mobile device related to or resulting from participating in this Program, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmission that may limit a user’s ability to participate in this Program whether caused by computer, technical or human error. Credit Karma reserves the right to disqualify any individual from participation in this Program if Credit Karma concludes, in its sole discretion, that such person: (a) has attempted to tamper with the operation of this Program; (b) has disregarded or has attempted to circumvent these Terms and Conditions; (c) has committed fraud or attempted to undermine the legitimate operation of the Program; or (d) has acted toward Credit Karma or any other participant in an unfair, inequitable, annoying, threatening, disruptive, or harassing manner. If a dispute arises regarding compliance with these Terms and Conditions, Credit Karma may consider, in its sole discretion, data reasonably available to Credit Karma through information technology systems in Credit Karma’s control, but Credit Karma will not be obligated to consider any data or other information collected from any other source.

These Terms and Conditions, together with the Credit Karma Terms of Service, make up the entire agreement between Credit Karma and you relating to the Program, and replace any prior understandings or agreements (whether oral or written) regarding the Program.


Credit Karma $2000 Amazon.com Gift Card Offer FAQs

What is the $2000 Amazon.com gift card offer?

If you apply for and fund your mortgage through one of Credit Karma’s participating lenders, then you may be eligible to receive an Amazon.com eGift Card for $2,000.

Which lenders are participating in the $2,000 Amazon.com gift card offer?

  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • eRates Mortgage
  • First Internet Bank
  • LenderFi
  • J.G. Wentworth Home Lending, LLC
  • NBKC Bank

How do I qualify for the $2,000 Amazon.com gift card?

In order to qualify for the $2,000 Amazon.com gift card from Credit Karma:

  • You must have received an email from Credit Karma explicitly stating that you were selected to receive this special offer.
  • You must have clicked on a mortgage rate offer from Credit Karma after being eligible for the special offer.
  • You must lock your rate with the participating lender no later than 03/01/19.
  • You must fund your mortgage with a participating lender.
  • You must submit your $2,000 gift card claim to Credit Karma no later than 30 days from the date you funded your loan.

How do I file a claim?

Start by filling out and submitting the online $2,000 gift card claim form. You’ll need to provide your name, email address, date of birth, your lender’s name, your loan number from the lender, and date your loan was funded.

What happens once your claim is received?

Once your claim is received, our Member Support team will verify the following

  • That you applied for the offer through Credit Karma;
  • That you locked your rate with the participating lender no later than 03/01/19; and
  • That you funded your mortgage with the participating lender.

If your claim is accepted, we will send you the $2,000 Amazon.com eGift Card to the email address you provided in the claim form. If your claim is denied, we will send you an email letting you know your claim has been denied.

What’s the catch?

There is no catch. Credit Karma’s mission is to help our members achieve financial progress, and this is an additional step in that direction. We could run ads to spread the word that we’re in the mortgage business, but we’d rather share our money with you to thank you for getting your home loan through us.


Credit Karma $2000 Amazon.com Gift Card Offer Program Terms and Conditions

The Credit Karma $2000 Amazon.com Gift Card Offer Program (the “Program”) is provided by Credit Karma, Inc. (“Credit Karma”) as of January 14, 2019. By participating in the Program, you are acknowledging and agreeing to the Program Terms and Conditions (“Terms and Conditions”) and the Credit Karma Terms of Service, which are incorporated in and form a part of this Program. Capitalized terms that are not defined herein will have the same meaning given to them in the Credit Karma Terms of Service.

Section 1. The Program

If you use the Credit Karma platform, and you are approved and fund your mortgage with a participating mortgage lender, as described in Section 2 below, you will be eligible to receive a two-thousand dollar ($2,000) Amazon.com eGift card* from Credit Karma.

Section 2. How to Participate

In order to qualify for the Program, you must:

  • receive an email from Credit Karma addressed to the email account that you used to register on Credit Karma that explicitly states that you have been selected to participate in the Program (the “Participation Email”);
  • after receiving the Participation Email, select a mortgage rate offer on Credit Karma and apply, individually or with one or more co-applicants, for a mortgage through the Credit Karma site with one of the participating lenders listed below (each, a “Participating Lender”);
  • be approved for a mortgage loan with a Participating Lender and lock your mortgage rate with a Participating Lender no later than March 1, 2019;
  • fund your mortgage loan with a Participating Lender; and
  • submit your Program claim to Credit Karma no later than 30 days from the date your mortgage loan was funded.

The following Participating Lenders are participating in the Program:

  • Better Mortgage
  • BNC National Bank
  • ConsumerDirect Mortgage
  • eRates Mortgage
  • First Internet Bank
  • LenderFi
  • J.G. Wentworth Home Lending, LLC
  • NBKC Bank

Section 3. Submitting a Claim

Your Program claim must be submitted online.  The Program claim form can be found at https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=360000113586. To claim your $2,000 Amazon.com eGift card, you must submit an accurate and complete Program claim form that includes the following information:

  • your name;
  • your date of birth;
  • your email address;
  • the Participating Lender’s name;
  • the lender loan number; and
  • the loan funding date.

The lender loan number can be found in the upper-right hand corner of your Closing Disclosure under the label “Loan ID#.”

Your claim must be submitted no later than 30 days from the date your mortgage loan was funded.

Section 4. Review of Claims and Notification

Credit Karma will review your submitted Program claim to verify your eligibility for the Program and to confirm that your Program claim is accurate and complete.  Credit Karma retains sole discretion over all eligibility determinations and reserves the right to disqualify any individual from participation in the Program.  If Credit Karma requests further information from you in connection with the Program, you must respond timely to such requests, and in accordance with any stated deadline, to retain your eligibility under the Program.

If your Program claim is approved, you will be sent an email with your Amazon.com eGift card code.

If your Program claim is denied, you will be sent an email informing you of Credit Karma’s decision.  All decisions are final.

Section 5.  Redeeming your Program Reward

If your Program claim is approved, you will be sent an email with your Amazon.com eGift card code. To redeem your Amazon.com eGift card visit www.amazon.com/redeem. If you have questions about redeeming your Amazon.com eGift card, please visit www.amazon.com/gc-redeem. eGift card subject to terms and conditions thereon.

Section 6.  Limitations

You must be 18 years or older to be eligible for the Program.  Limit of one Amazon.com eGift card under the Program per loan number.  Participation Emails and participation in the Program are not transferable to any other person. This Program is intended for viewing and participation in the 50 United States and District of Columbia (the “Area”). Do not attempt to participate in the Program if you are not a resident of the Area at the time of participation. In addition, you may not apply for the Program if you or your immediate family member is an employee of a Participating Lender. An immediate family member is a parent, child, grandparent, grandchild, or sibling (including “steps” and in-laws).

Section 7. Program Changes, Updates and Cancellation

Credit Karma reserves the right in its sole and absolute discretion to suspend or terminate this Program, and suspend or terminate a person’s ability to participate in this Program, at any time, without prior notice, and for any reason. In addition, Credit Karma reserves the right to make changes to this Program, including adding new terms and conditions or modifying existing terms and conditions. Credit Karma reserves the right to provide the Program in a form other than the Amazon.com eGift card, in an award of equal or greater value, for any reason.

Section 8. Other Terms

Credit Karma is not responsible for late, lost, damaged, incomplete, illegible, faulty, or incorrect claim submissions, incorrect announcements of any kind, technical hardware or software failures of any kind, any damage to any person’s computer or mobile device related to or resulting from participating in this Program, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmission that may limit a user’s ability to participate in this Program whether caused by computer, technical or human error. Credit Karma reserves the right to disqualify any individual from participation in this Program if Credit Karma concludes, in its sole discretion, that such person: (a) has attempted to tamper with the operation of this Program; (b) has disregarded or has attempted to circumvent these Terms and Conditions; (c) has committed fraud or attempted to undermine the legitimate operation of the Program; or (d) has acted toward Credit Karma or any other participant in an unfair, inequitable, annoying, threatening, disruptive, or harassing manner. If a dispute arises regarding compliance with these Terms and Conditions, Credit Karma may consider, in its sole discretion, data reasonably available to Credit Karma through information technology systems in Credit Karma’s control, but Credit Karma will not be obligated to consider any data or other information collected from any other source.

These Terms and Conditions, together with the Credit Karma Terms of Service, make up the entire agreement between Credit Karma and you relating to the Program, and replace any prior understandings or agreements (whether oral or written) regarding the Program.

* Restrictions on use of the Amazon Gift Card apply, see amazon.com/gc-legal