How CURE Delivers on Our Promise


  1. Cost Assurance:  All loan officers who CURE certify their loans will, upon request, agree to cap their fees on any given rate or loan program.  Cost Assurance allows consumers to obtain an accurate picture of their costs and understand the sliding scale between what they are charged and the interest rate and loan program they receive in return.  Cost Assurance also allows for a Good Faith Estimate that is accurate with the loan officer agreeing to foot the bill for any inaccuracies out of his profit margin instead of consumer's wallets. The CAF (Cost Assurance Form) is part of the CURE Loan Registry and is the method behind this assurance.

  2. Rate Assurance:  All loan officers who CURE certify their loans will agree, upon request, to add Rate Assurance to their transaction to give legitimacy to their lock or promise to deliver a particular loan program within a given time frame.  Rate Assurance allows CURE to monitor the legitimacy of an offered rate or loan program so that consumers can avoid bait and switch tactics and have confidence in the integrity of what has been offered to them.  THE RAF (Rate Assurance Form) is part of the CURE Loan Registry and is the method behind this assurance.

  3. CURE Certification:  All loan officers that agree to CURE Certification are stating that they are willing to have the trust consumers place in them be verified and monitored by a nonprofit consumer organization.  These are the ethical brokers and wholesale lenders that embrace the honest and fair playing field that CURE creates for them.  CURE Certification is the end result of using the CURE Registry and takes place after a CURE Review of the Final HUD.  CURE Certification delivers on what the Government as tried to do through fair lending laws (Good Faith Estimates, APR disclosures, Truth In Lending statements, etc) and what most Loan Officers claim to be doing in their marketing literature and sale pitches.  CURE Certification is the only true way of verifying loan officer claims and ensuring that consumers get the best home loan that their credit and qualification allows. 

  4. Profit margin ceiling:   All loan officers who become professional members of CURE sign a contact agreeing not to exceed certain guidelines in terms of what they make in points and/or rebate on home loans placed into the CURE Loan Registry.  This ceiling is designed to eliminate the ability of loan officers to profit by steering clients into inferior products that pay more in commission, manipulating rates, not disclosing accurate costs, not passing on savings if rates drop, or not disclosing the impact of loan features such as prepayment penalties, ARM margins, or recasts.   While loan officers can fairly compete to deliver you a loan below the profit margin, they are limited in total rebate and origination profit to the greater of $3500 or 1% of the loan amount.  In addition, loan officers can not add unnecessary garbage fees by having their fees capped at $475 above any third party fees (title, escrow, appraisal, etc) plus their standard processing or underwriting fees. 



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