K. Hovnanian American Mortgage, LLC. understands that you, as an educated consumer; will be looking for the best program and interest rate available. We also feel that once you are aware of the benefits we offer K. Hovnanian® homebuyers, your decision will be simple. Because K. Hovnanian® is so confident we can provide you with the best financing options available; we make the following promise to all of our customers; "When the time arrives to lock-in your interest rate we encourage you to supply us with any written lock-in arrangements you have received from other lenders that are lower than the rate we have quoted you. At this time we will either be competitive or transfer your file free of charge to the lender of your choice. In addition, any portion of your application fee that has not been spent will be refunded to you. If an appraisal has already been ordered we will assign it to the new lender. Remember; you are our customer whether you obtain your mortgage from us or not." When all things are considered equal, we are positive your decision to obtain your loan through K. Hovnanian American Mortgage, LLC. will be confirmed.