Keys On Time™

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Gain a competitive edge in the housing market with our Keys on Time™ program. Get pre-approved before you even begin your home search, allowing you to submit offers with confidence. We'll provide an on-time closing commitment, helping your offer stand out in a crowded market. If your loan fails to close on time, we'll compensate you or the seller (your choice!) up to $2,000*, demonstrating our commitment to a seamless and timely transaction.

By taking advantage of this program, you'll have the assurance of a strong pre-approval, coupled with the added incentive of our on-time closing guarantee. This powerful combination empowers you to navigate the competitive housing landscape with a distinct advantage, showcasing your preparedness and reliability to potential sellers.

To ensure a transparent and fair experience for all our clients, we've outlined the terms and conditions for the Keys on Time™ program:

• The program is not available in Oregon.

• Your mortgage must be a purchase transaction.

• Initial documentation requested must be received within FIVE BUSINESS DAYS.

• All additional documentation requests must be received within TWO BUSINESS DAYS.

• To be eligible for the full $2,000 commitment, you must apply for the loan prior to making an offer. If the application is not approved before the offer is accepted, you'll be eligible for the Lite version, offering a $1,000 commitment.

• You must provide a copy of your purchase contract, and your closing date must be scheduled no sooner than 28 CALENDAR DAYS from the receipt of the executed Intent to Proceed (30 CALENDAR DAYS for VA loans).

• You may not request loan term changes (e.g., changes in loan program, term of loan, or down payment amount) within TEN BUSINESS DAYS from the scheduled closing date.

• You must lock your loan rate and satisfy all loan requirements and conditions at least SEVEN BUSINESS DAYS prior to your closing date.

• The final appraisal and/or completion certificate, with all revisions, must be received FIVE BUSINESS DAYS prior to the closing date.

• Loans with subordinate financing must have secondary loan approval 5 BUSINESS DAYS prior to closing.

• The loan must close and fund with [Company Name] or one of its dba branches for any commitment fee to be paid out.
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The Keys-on-Time Commitment is void if:

• The closing date is missed due to delays attributable to the borrower(s) outlined in terms, a third party, or the seller.

• Information provided by the borrower(s) on the application could not be verified or was inaccurate.

• The loan is $2,000,000 or greater.

• The loan, as structured, does not meet federal/state regulatory requirements and/or agency guidelines.

• The closing date is missed due to acts of God outside the control of [Company Name], including inclement weather, natural disasters, catastrophic events, acts of terrorism, or other public emergencies.
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At  MOld Republic Mortgage, we're committed to making your homebuying experience as stress-free and seamless as possible. With the Keys on Time™ program, you can navigate the market confidently, knowing that you have a reliable and dedicated partner by your side every step of the way.

Contact us today to learn more about how the Keys on Time™ program can benefit your homebuying journey, and let's embark on this exciting new chapter together.