*$1,640 waived lender fee available through Appalachian State University corporate benefits team. Qualified participants, including Appalachian State University members, friends, and family, must access the Rate website from the Appalachian State University Intranet or visit www.rate.com/Appalachian State University-6, successfully complete a mortgage loan application, and close on a first lien mortgage loan for home purchase with Rate Applicant subject to credit and underwriting approval. Restrictions may apply.

**This program and cash-back offer are provided by Rate Homes, LLC and Anywhere Real Estate, Inc. and is not offered by Rate. Rate and Rate Homes, LLC, share common ownership and/or control under Guaranteed Rate, Inc. As a brokerage, Rate Homes, LLC may financially benefit from business it refers to Anywhere. Your use of Anywhere Real Estate Inc. is entirely voluntary. You are not required to use Anywhere or Rate as a condition of your mortgage loan, real estate or any other settlement service. Your choice of provider will not affect your loan application, approval, terms, or any other aspect of your transaction with Rate. There are frequently other settlement service providers available with similar services. You are free to shop around to determine that you are receiving the best service and rates. If your transaction closes with an agent from Anywhere, you may be eligible for a cash-back bonus of up to $6,000 — paid directly to you by Anywhere Real Estate Inc., within approximately 30 days after closing. In some states, a gift card or commission reduction at closing may be provided in lieu of the cash back bonus: The program and cash back bonus are not available in Iowa or transactions outside the United States. The cash back bonus is not available in Alaska, or Oklahoma. In Kansas and Tennessee, a MasterCard MAX gift card will be issued. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing. In Alabama a check will be provided at closing.

The bonus is contingent on the transaction closing with an Anywhere agent through the Rate Homes referral network. This disclosure does not guarantee you will receive the cash-back bonus. The actual amount you receive is based on the purchase and/or sale price of your home. All real estate commissions are negotiable. Other terms and conditions may apply. This is not a solicitation if you are already represented by a real estate broker. Program terms and conditions are subject to change at any time without notice.

***Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply; contact Rate for current rates and more information.