Refund Policy
Effective Date: May 11, 2026
At MortgageNegotiator.ai, our core promise is simple: you only pay if you accept a winning bid. If you walk away from the auction, you get your money back.
This Refund Policy explains exactly how that works.
What You Pay
| Fee | When Charged | Amount |
|---|---|---|
| Starting fee | When you initiate your auction | $49 |
| Acceptance fee | When you accept a winning bid | $451 |
| Total | Only if you accept a bid | $500 |
When You Get a Full Refund
We will issue a 100% refund of all fees you have paid us if:
1. You decline all bids and walk away
After your auction closes, you have 7 days to review the bids and either accept one or walk away. If you walk away — for any reason — we refund both your $49 starting fee and any other fees you've paid us.
You don't have to justify your decision. You don't have to call us. You don't have to fight for it.
2. No Brokers bid on your loan profile
If your auction closes with zero qualifying bids, we automatically refund your $49 starting fee within 5 business days. You owe us nothing.
3. We fail to deliver the Services
If technical failure, regulatory issue, or our own decision prevents your auction from running as described, we refund all fees paid.
When Fees Are Non-Refundable
Fees you have paid are non-refundable in these specific cases:
1. You accept a winning bid
Once you accept a Broker's bid, the $451 acceptance fee has been earned. The Service we provide — connecting you with a Broker offering terms you chose to accept — has been delivered.
The $49 starting fee is also non-refundable once you've accepted a bid.
2. Your account is terminated for cause
If we terminate your account for fraud, sabotage, submitting false loan profiles, or material violation of our Terms of Service, paid fees are forfeited.
3. You dispute a charge in bad faith
If you initiate a chargeback through your card issuer or bank without first contacting us to resolve the issue, you may lose access to the Services and may not be eligible for future refunds.
How Refunds Are Processed
- Refunds are issued automatically to the original payment method
- Processing typically completes within 5 business days of the qualifying event
- You will receive an email confirmation when the refund is initiated
- Once initiated, the refund may take an additional 3–10 business days to appear on your statement, depending on your bank
Special Situations
Loan doesn't close after acceptance
If you accept a Broker's bid but the resulting loan does not close — for example, because underwriting denies the loan, the property fails inspection, the deal falls through, or you change your mind — the $451 acceptance fee is still non-refundable.
This is because our Service is delivered at the moment of acceptance: we ran the auction, you reviewed the bids, you chose one. The actual loan transaction is between you and the Broker.
We understand this can feel unfair if the loan doesn't close. If you believe special circumstances apply, contact support@mortgagenegotiator.ai within 30 days. We review each request individually but cannot guarantee a refund outside the situations listed above.
Broker fails to honor their bid
If the Broker you accepted refuses to proceed at the rate and fees they bid, contact us immediately at support@mortgagenegotiator.ai. We will investigate and, if confirmed, refund your $451 acceptance fee and may also pursue action against the Broker. The Broker's bid is binding under our Broker Participation Agreement.
Identity or eligibility issues
If we determine after auction start that you do not meet eligibility requirements (e.g., not a Florida resident, identity verification fails), we will close the auction and refund any fees paid.
How to Request a Refund
In most cases, you don't need to request anything — refunds are automatic.
If you believe you are entitled to a refund that hasn't been processed, contact us:
- Email: support@mortgagenegotiator.ai
- Subject line: "Refund Request — [Your Auction ID]"
- Response time: Within 2 business days
Please include your account email, auction ID (if known), and a brief description of the situation.
Chargebacks and Disputes
If you have a question or concern about a charge, please contact us first. We resolve almost all refund issues within 2 business days.
Initiating a chargeback through your bank without contacting us may result in: - Account suspension - Loss of access to the Services - Inability to use the platform in the future
We are happy to resolve any legitimate refund issue directly.
Changes to This Policy
We may update this Refund Policy from time to time. If we make material changes, we will notify users by email at least 30 days before the changes take effect. The policy in effect at the time of your auction governs your refund rights for that auction.
Contact
Questions about this policy?
MortgageNegotiator.ai 6150 Riverwalk Ln, Jupiter, FL 33458 Email: support@mortgagenegotiator.ai