*Username and password must be created using unique referral link. Loan must be submitted within 180 days from username and password creation and must close through Kiavi to be eligible for offer. Referral bonus to broker is only eligible for loans originated directly through Kiavi and not originated through the broker channel. Referral bonus and gift only awarded upon referred borrower's first loan close, and not for subsequent loans originated by referred borrower. Referring borrower/broker will receive one bonus compensation in the form of a $500 check for each new borrower referred that closes a loan through Kiavi. A 1099 may be issued for referring borrower who is responsible for any applicable taxes. Referred borrower may only receive one gift, and cannot claim multiple gifts on behalf of separate entities, guarantors, etc. New borrower will receive an Amazon gift card in the amount of $350. Borrowers may not refer themselves, or an entity they are a part of. Terms and conditions are subject to change and may be withdrawn at the sole discretion of Kiavi at any time.

**Funds distributed based on referring party's completion of a W-9 form. The form will be sent via email upon referred borrower's first loan close.