As an IBEW 15 MEMBER, enjoy exclusive savings and support for your home journey from Berkshire Hathaway HomeServices Chicago & Prosperity Home Mortgage

Prosperity Home Mortgage, LLC. NMLS#75164. Licensed in Illinois. (NMLS Consumer Access @ www.nmlsconsumeraccess.org/) Not all borrowers will qualify.

Incentive eligibility on real estate transactions: (A) requires customers to work with the Move Confidently Rewards program through the dedicated toll-free number or the online request form and to utilize the real estate broker/agent specifically referred by the program consultant for home sale or purchase; (B) may not be available to individuals receiving certain corporate relocation benefits, subject to a review of specific policy restrictions and other benefits received for the same property transaction; (C) is not available by contacting any real estate office directly; (D) is available to customers not currently under contract with a real estate sales professional to buy or sell; (E) does not include land only transactions; (F) is based on a broker commission rate of 3% for a single-sided transaction, if your actual commission is less than 3%, your benefits may be reduced; (G) except where this program is prohibited by law. *State Restrictions: Some states restrict rebates but allow an equal discount to be applied. Sellers may be eligible for a discount only in Alabama, Alaska, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon and Tennessee. Buyers are not eligible for a rebate from HomeServices Relocation but may be eligible for a rebate from the real estate broker in New Jersey. Buyers are not eligible for a rebate or a discount in Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. Sellers are not eligible for a rebate or a discount in Iowa and Kansas. ©2025 HomeServices of Illinois, LLC. Move Confidently Rewards products are offered through HomeServices of Illinois, LLC d/b/a Berkshire Hathaway HomeServices of America. Trademarks are used under license. Real Estate brokerage services are offered through the owned and operated broker member businesses of Berkshire Hathaway HomeServices Chicago. Occasionally, we may refer you to a brokerage which is not a member of one of our business networks. Equal Housing Opportunity. This offer is available to the general public.

CompetitivEdgeSM (CE) is a canopy of programs. It is only available on specific loan types and products; consult with a local Mortgage Consultant for eligibility details. Not all borrowers will qualify. The information provided is for informational purposes only and does not imply a loan commitment. Contact your mortgage consultant for more information.
1. HomeSURE Advantage is not a final loan approval or a guarantee to lend. A Commitment Letter is based on verified information and documentation provided by the borrower and a review of the borrower's credit report. The interest rate and type of mortgage used to approve borrower for a specified loan amount is subject to change, which may also change the terms of approval. If the interest rate used for credit approval has changed, borrower may need to re-qualify. Information provided by borrower is subject to review and all other loan conditions must be met. After a borrower has chosen a home and the purchase offer has been accepted, final loan approval will be contingent upon obtaining an acceptable appraisal and title commitment. Additional documentation and loan qualifications may be required. Not all borrowers will qualify. May not be available in all areas.

2. Some restrictions may apply. The Closing Guarantee is only available on HomeSURE Advantage-designated, conventional, FHA and VA loans with a valid Commitment Letter issued by Prosperity Home Mortgage, LLC (“Prosperity”), in writing prior to execution of fully ratified sales contract. Some jumbo loan programs may be eligible at the sole discretion of Prosperity. Brokered jumbo loans are NOT eligible, and any jumbo loan programs requiring investor preapproval are NOT eligible. The Closing Guarantee is NOT available on renovation loan products, loans for the purchase of cooperative housing units, or loans involving any sort or type of bond, grant, down payment assistance, mortgage credit certificate, or any other non-profit, municipal, or housing authority program. For conventional loans, FHA loans, and VA loans, an acceptable appraisal must be received and approved by Prosperity at least ten (10) business days prior to closing or loan is not eligible for Closing Guarantee. The Commitment Agreement has an expiration date, which, solely for purposes of eligibility for the Closing Guarantee, may not be extended. The loan must close on or before the expiration date contained in the initial Commitment Agreement issued by Prosperity. Subject to acceptable appraisal of property value at or above contract sales price. The Closing Guarantee is subject to the satisfaction by the Borrower(s) of all loan conditions identified in the Commitment Agreement at least three (3) business days prior to closing or as otherwise determined by Prosperity in its sole discretion. The Closing Guarantee is not valid if either Borrower(s) or Seller terminate the purchase contract, extend the settlement date, or otherwise choose not to consummate the transaction for any reason whatsoever. The Closing Guarantee is invalid if there is a substantial change in the Borrower’s financial condition or to the terms of either the loan, loan product, loan type, or the purchase contract between Borrower(s) and Seller. The Closing Guarantee is void in the event closing is delayed or cancelled as a direct result of an unforeseen disruption of service; an act of God; a national, state, or local emergency; pandemic; natural disaster; or other public health declaration. This offer is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before 12/31/2025. The Closing Guarantee is limited solely to the transaction and subject property identified herein.

3. REFINE YOUR RATE: 
This promotion is valid where (1) the complete purchase loan application is received by Prosperity Home Mortgage, LLC between 03/01/2025 — 08/31/2025 and (2) corresponding loan closes within 60 days from the date of said completed purchase loan application.
Borrowers may be eligible to refinance beginning at least 180 days after purchase loan closing date, provided a net tangible benefit to the borrower can be established which may include a reduction in interest rate or monthly payment. Loans will not be eligible for refinance under this program until a net tangible benefit as required by applicable law and determined by Prosperity Home Mortgage, LLC can be established. Refinance loan must close with Prosperity Home Mortgage, LLC. Refine Your Rate guarantee can only be used for one refinance and is only good for three (3) years from the closing or original purchase transaction. Eligible borrowers will receive a lender credit toward closing costs on the Closing Disclosure of the refinance loan, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval and closing with Prosperity Home Mortgage, LLC. New Loan must close within 60 days from the date of refinance loan application. Lender credit may not exceed $1,695 or a borrower’s out of pocket closing costs, whichever is less. Eligibility certificate must be presented at the time of application for New Loan, and all eligibility requirements must be met no later than 3 days prior to the New Loan closing date. Only one lender credit permitted per New Loan. This lender credit is void where prohibited and is non-transferable, subject to the terms herein, and only valid on complete applications. By refinancing an existing loan, your total finance charges may be higher over the life of the loan. Not all borrowers will qualify.