*Credit of 50,000 Atmos Rewards Points will post directly to member account within 6-8 weeks of closing with Rate. Offer valid on new applications received between 1/01/2026 and 12/31/2026. This offer is only available to clients who call the dedicated benefit phone number or go through the dedicated benefit website. Offer is non-transferrable. Awarded points can only be credited to the lead borrower or co-borrower's Atmos Rewards account. This offer cannot be retroactively applied to previously closed loans or loans already in process. Rate reserves the right to cancel this offer at any time. Acceptance of this offer constitutes acceptance of these terms and conditions, which are subject to change at the sole discretion of Rate. This is not a commitment to lend. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. Alaska Airlines is not a lender or loan broker.

**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. Lender: Rate Referring Entity: Rate Homes Brokerage: Anywhere Real Estate 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. 

***Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.