Rebates & Incentives Terms

1. Maximum advertised amounts

2. Maximums are not guaranteed or necessarily typical

"Up to" means the highest potential amount available under an applicable qualifying offer. It does not mean that every consumer, property, transaction, loan, or location will qualify for the maximum amount. Many consumers may qualify for a smaller amount or may not qualify for any rebate or incentive.

No rebate or incentive is earned, vested, approved, or payable merely because a consumer visits the website, submits a form, speaks with a provider, receives a preliminary estimate, or begins a transaction. A benefit becomes binding only when its amount and material conditions are confirmed in writing by the party responsible for providing it and all stated conditions are satisfied.

3. General eligibility requirements

Eligibility is determined separately for each transaction and offer. Requirements may include, where lawful and disclosed in advance:

• Being at least 18 years old and legally able to enter the transaction.
• Purchasing, selling, financing, or otherwise completing an eligible residential real-estate transaction.
• Completing any required registration or enrollment by the stated deadline.
• Providing accurate and complete information needed to verify eligibility.
• Satisfying the written terms of the specific promotion or participating provider.
• Completing and closing the qualifying transaction, unless the written offer expressly provides otherwise.
• Complying with lender, loan-program, seller, builder, title, settlement, brokerage, and applicable legal requirements.

Unless a written offer states otherwise, benefits are limited to one combined rebate or incentive package per qualifying household and transaction. Benefits are personal to the eligible consumer and may not be transferred, assigned, sold, or exchanged.

4. How the benefit amount is determined

The actual value may depend on factors including the transaction type, property type, purchase or sale price, location, participating program, service selected, provider, available eligible costs, loan program, financing terms, seller or builder restrictions, closing completion, and federal, state, and local law.

A benefit may consist of one item or a combination of items supplied by one or more independent parties. Examples may include a lawful real-estate rebate, closing-cost credit, service discount, fee reduction, post-closing payment, promotional item, or another benefit specifically identified in writing. The advertised maximum does not mean that the entire amount will be paid in cash.

Rebates and incentives from different sources may not be combinable. A benefit may be reduced or unavailable when another promotion is used, eligible costs are lower than the proposed credit, a loan program limits interested-party contributions or cash back, or a seller, builder, lender, settlement agent, regulator, or applicable law restricts the benefit.

5. Form, disclosure, and timing of benefits

Before a consumer relies on a specific benefit, the responsible party should provide written confirmation identifying the benefit's source, estimated or fixed value, form, material eligibility conditions, and expected timing. Where required, a credit or payment will be disclosed on the applicable settlement statement, Closing Disclosure, or other transaction document.

Depending on the offer and applicable restrictions, a benefit may be applied at closing, delivered after closing, issued as a service discount, or provided in another lawful form. Post-closing benefits may require verification that the transaction closed and that all program conditions were satisfied.

OwningYourHouse.com is not responsible for a delay caused by incomplete or inaccurate information, a third-party review, closing changes, lender approval, settlement processing, fraud prevention, tax reporting, or a legal restriction.

6. Consumer choice, participating providers, and RESPA

Consumers are free to shop for and select lenders, mortgage brokers, real-estate professionals, title companies, settlement agents, attorneys, inspectors, insurance providers, builders, and other service providers, subject to any lawful transaction-specific limitation disclosed to the consumer.

A particular optional promotion may be funded or administered by an independent participating provider and may have provider-specific requirements. Those material requirements must be disclosed before the consumer elects to participate. A consumer may decline the promotion and shop independently; however, a benefit offered by a particular provider may not remain available if that provider is not selected.

Nothing in these terms authorizes a fee, kickback, payment, or other thing of value in exchange for the referral of settlement-service business. Any compensation paid to or received by OwningYourHouse.com or a participating business must be for actual, necessary, and distinct goods, facilities, or services, or another lawful purpose, and not for steering a consumer or rewarding the referral of settlement-service business.

If an affiliated business relationship exists and a separate disclosure is required, the applicable party will provide that disclosure in the form and at the time required by law. These website terms do not replace a transaction-specific affiliated-business arrangement disclosure or any other disclosure required from a licensed provider.

7. Loan, builder, seller, and legal restrictions

Every benefit remains subject to the requirements of the transaction and any applicable loan or assistance program. No benefit will be structured or paid in a manner that creates prohibited cash back, exceeds eligible closing costs or lawful contribution limits, misstates the sales price, conceals a concession, or conflicts with underwriting, appraisal, settlement, builder, seller, or disclosure requirements.

New-construction transactions are subject to the separate $4,500 maximum even when another advertisement generally references benefits of up to $8,500. Builder incentives, preferred-lender offers, seller concessions, financing incentives, and OwningYourHouse.com network benefits may be subject to separate terms and may not be combinable.

Rebates and incentives are not a loan approval, commitment to lend, interest-rate lock, financing guarantee, appraisal, estimate of settlement charges, promise that a property will be available, or representation that a transaction will close.

8. No government sponsorship or endorsement

OwningYourHouse.com is not a government agency. Unless a specific written notice expressly states otherwise, its rebates and incentives are not government benefits and are not sponsored, endorsed, approved, or guaranteed by HUD, the CFPB, the VA, the FHA, the USDA, or any other federal, state, or local government entity.

9. Availability, changes, suspension, and disqualification

Programs are subject to availability and may vary by state, location, provider, property, transaction type, and time period. To the extent permitted by law, OwningYourHouse.com or the party responsible for a specific offer may modify, suspend, replace, or discontinue a program before a consumer receives written confirmation of a benefit.

A confirmed benefit will be governed by the written terms applicable when it was confirmed. No change to these website terms will retroactively eliminate a benefit that has already become binding under a signed written agreement, except when payment would be unlawful or when the agreement expressly allows the change.

A consumer may be disqualified for fraud, misrepresentation, duplicate or fabricated submissions, failure to satisfy material conditions, unlawful conduct, attempted manipulation of the program, or a transaction involving a prohibited conflict of interest.

10. Taxes and independent advice

A rebate or incentive may have tax, financing, disclosure, or legal consequences. The consumer is responsible for seeking advice from a qualified tax professional, attorney, lender, or other appropriate adviser. OwningYourHouse.com does not provide tax, legal, accounting, or underwriting advice through these terms.

The party providing a payment may request information or issue tax documentation when required by law. A consumer’s refusal or failure to provide legally required information may delay or prevent payment.

11. Conflicts and interpretation

These general website terms apply unless a specific written offer contains more detailed terms. When a specific written offer conflicts with these general terms, the specific written offer controls for that benefit, except that no document will be interpreted to require conduct prohibited by law.

A failure to enforce a provision does not waive it. If a provision is found unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

12. Questions about an offer

Before relying on a rebate or incentive, request written confirmation of the amount, source, form, eligibility requirements, provider-specific conditions, and expected timing.

Questions may be submitted through the OwningYourHouse.com contact page. Please identify the advertisement, program, property, and participating provider involved. Do not send Social Security numbers, bank credentials, or other highly sensitive financial information through a general website form.