The Homebuyer's Trail Sweepstakes: Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. BUYING ANYTHING WILL NOT IMPROVE YOUR CHANCES. YOU MUST FINISH THE GAME AND SUBMIT THE ENTRY FORM TO ENTER. SUBJECT TO FEDERAL, STATE, AND LOCAL LAWS AND REGULATIONS. VOID WHERE PROHIBITED.

The short version

Play The Homebuyer's Trail all the way to an ending. Submit the entry form with your first name and email. That is one entry, and it stays in every weekly drawing for the rest of the Sweepstakes. Each week, 1 winner is drawn at random for a $100 gift card. Nothing to buy, no mortgage forms, no phone number.

This summary is here to help. If anything in it seems to conflict with the full rules below, the full rules control.

1. START DATE AND END DATE: The Sweepstakes begins on November 9, 2026 at 12:00 AM Pacific Time and ends on December 6, 2026 at 11:59 PM Pacific Time (the “Sweepstakes Period”). Pacific Time means whatever time it is in Los Angeles, California.

2. ELIGIBILITY: Open to legal residents of one of the 50 United States or the District of Columbia, excluding New York and Florida, who are at least 18 years old and have reached the age of majority in the state or District of Columbia where they live at the time of entry, and who are physically located in the United States when they enter. Officers, directors, employees, and contractors of Full Beaker, Inc. (the “Sponsor”), any company affiliated with Sponsor, and any company helping run the Sweepstakes (collectively, with Sponsor, the “Sweepstakes Parties”), as well as their immediate family members (spouse, parents, children, siblings, and the spouses of any of those) and anyone living in the same household, are not eligible to participate. You do not need to be a first-time homebuyer, own a home, or qualify for a mortgage to enter or win. Void outside the eligible jurisdictions and where prohibited, including New York and Florida.

3. HOW TO ENTER: There is one way to enter. Go to themortgagereports.com/tools/the-homebuyers-trail during the Sweepstakes Period and play The Homebuyer's Trail until you reach an ending. Any ending counts; you do not need to “buy the house” or earn a virtual key. Once you reach an ending, complete the entry form with your first name and a valid email address, confirm that you meet the eligibility requirements, and agree to these Official Rules. Your submission will represent one (1) entry.

An entry counts only once Sponsor receives the completed form. The form must be received before the Sweepstakes Period ends. Finishing the game or earning a key does not by itself enter you or guarantee a prize. The game is free, and no purchase, newsletter subscription, mortgage inquiry, loan application, or other transaction is required to enter or win. Play as many times as you want. Replaying, collecting more keys or getting a higher score does not give you extra entries and does not improve your odds.

Limit one (1) entry per person and per email address for the entire Sweepstakes Period, regardless of how many times you play or how many keys you earn. Your entry carries forward. If you don't win one week, your entry automatically rolls into every later weekly drawing. You do not have to play again or submit anything else. That means people who enter early are in more drawings than people who enter late. Entries do not carry over into any other promotion.

Any attempt to obtain more than one entry by using multiple or different email addresses, identities, or devices, or by any other method, will void that entrant's entries and may result in disqualification. Entries submitted by anyone other than the entrant are void. Use of any robotic, automatic, programmed, or similar entry method is prohibited and will result in disqualification. In case of dispute as to the identity of any entrant, the entry will be declared made by the name and email address on the entry form. Use an email address you control and can actually check. Any potential winner may be required to provide Sponsor with proof that they are the person who submitted the entry.

4. DRAWING: Four (4) weekly random drawings will be conducted by Sponsor or its administrator to select one (1) potential winner per drawing from among all eligible entries received by that drawing's cutoff, including entries carried forward from earlier weeks. Sponsor's entry system clock determines when an entry is received. Miss a cutoff and you are in the next drawing instead, as long as you entered before the Sweepstakes closes. The last cutoff is the end of the Sweepstakes Period.

Odds of winning in any drawing depend on the number of eligible entries received for that drawing. How well you did in the game has nothing to do with who gets picked. Winners need not be present to win.

Potential winners will be notified by email at the address provided during entry within two (2) business days after the applicable drawing and must respond within seventy-two (72) hours after Sponsor sends the notification email. If Sponsor requests eligibility verification or prize-acceptance documentation, the potential winner must submit all requested materials within three (3) business days after Sponsor sends the request, subject to the final claim deadline below. A potential winner is not an official winner until Sponsor verifies eligibility, receives any required documentation, and confirms prize acceptance.

Sponsor may randomly select an alternate potential winner from the remaining eligible entries for the applicable drawing if the notification email is returned as undeliverable, or the potential winner does not respond within seventy-two (72) hours, is ineligible, declines the prize, or does not provide required verification or prize-acceptance documentation by the applicable deadline. Alternates are subject to the same response and verification requirements and will be notified within two (2) business days after selection. Sponsor may continue selecting alternates until the prize is awarded or fourteen (14) calendar days have elapsed after the applicable drawing, whichever occurs first. All responses and required documents must be received by that final claim deadline. If no eligible winner is confirmed by the final claim deadline, the prize may remain unawarded, subject to applicable law.

Limit one (1) prize per person during the entire Sweepstakes Period. An entrant selected as a potential winner will be temporarily excluded from subsequent drawings while verification is pending. A confirmed winner will be permanently excluded from all remaining drawings. If a potential winner is ineligible, declines the prize, fails to respond by the applicable deadline, or fails to complete verification, the prize is forfeited and that entrant will be excluded from all subsequent drawings. Sponsor will maintain records of pending, confirmed, and disqualified potential winners to enforce this limit.

All income taxes resulting from acceptance of a prize are the responsibility of the winner. Sponsor may request tax paperwork and report prizes as required by law. Potential winners are never required to pay Sponsor any fee to complete verification, accept a prize, or receive their gift card. By entering this Sweepstakes, entrant accepts and agrees to these Official Rules and the decisions of the Sponsor, which shall be final in all matters. All federal and state laws apply.

5. LIMITATION OF LIABILITY: By entering this Sweepstakes, entrants waive all right to, and release and hold the Sweepstakes Parties harmless from, any claim, liability, loss, damage (including punitive, incidental, and consequential damages), or expense (including attorneys' fees) arising out of or in connection with participation in this Sweepstakes or the acceptance, use, or misuse of any prize, to the extent permitted by law. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. The Sweepstakes Parties will not be responsible for: late, incomplete, or incorrect entries; an entrant's failure to receive prize notices due to spam, junk email, or other security settings, or an entrant's provision of incorrect or non-functioning contact information; technical, hardware, or software malfunctions, lost or unavailable network connections, or failed, incorrect, inaccurate, incomplete, garbled, or delayed electronic communications, whether caused by the sender or by any equipment or programming associated with or used in this Sweepstakes; any human error in the processing of entries; or any typographical, technological, or other error in the publishing of the offer, administration of the Sweepstakes, or announcement of the prizes.

Sponsor may disqualify any entry where there is evidence of fraud, automation, tampering, or a violation of these Official Rules. If fraud, technical difficulties (including viruses and bugs), or any other problem compromises the integrity of the Sweepstakes, Sponsor reserves the right to pause, modify, or end the Sweepstakes in a manner deemed appropriate by Sponsor, where the law permits. In the event of termination, remaining advertised prizes will be awarded by random drawing from among all eligible entries received as of the date of termination. Nothing in these Official Rules limits any rights or responsibilities that cannot legally be limited.

6. PRIZES: One (1) winner will be drawn in each of the four (4) weekly drawings for the following prize:

• $100 digital gift card, fulfilled through Tremendous – 1 winner per drawing, 4 winners total (approximate retail value $100 each)

Total approximate retail value of all prizes: US$400

Each prize consists of one (1) $100 digital gift card fulfilled through Tremendous. Winners may select from the gift card options made available by Sponsor through Tremendous at the time of redemption, subject to availability and applicable geographic restrictions. A Tremendous reward may have an expiration date, which will be displayed in the reward email or redemption page if applicable. Once a winner selects a gift card, the selected gift card is subject to the issuer's terms and conditions, including any applicable expiration dates, redemption restrictions, and limitations on use. Expired or unused rewards may be forfeited in accordance with applicable reward terms and law.

Prizes will be delivered electronically through Tremendous to the email address provided by the winner during entry. Sponsor will initiate delivery within five (5) business days after successful eligibility verification and receipt of any required prize-acceptance documentation. Winners will receive an email with instructions to access their $100 digital reward and select from the available gift card options. No physical gift cards will be mailed. Winners are responsible for providing a valid email address and following redemption instructions. Actual receipt or availability of a selected gift card may depend on Tremendous and the applicable issuer; Sponsor may take reasonable steps to resolve delivery issues reported by a verified winner.

The prize consists of only those items specifically listed. Limit one (1) prize per person. Prizes are not redeemable for cash from Sponsor, except where required by law, and may not be transferred, exchanged, or substituted through Sponsor. Sponsor reserves the right to substitute a prize of equal or greater value if a prize becomes unavailable, where the law allows. If a potential winner is disqualified or forfeits a prize, we may draw an alternate potential winner at random from the remaining eligible entries for that drawing, as described in Section 4.

7. DISPUTES AND WEBSITE TERMS: The Sweepstakes is subject to The Mortgage Reports' Terms of Use. Disputes are subject to the individual arbitration and governing-law provisions in Sections 8–9 of those Terms, including the class-action waiver, except where prohibited by law. Entering the Sweepstakes is not a mortgage or credit request and does not authorize a credit check.

8. PRIVACY: The entry form collects two things: your first name and your email address. Sponsor uses that information to run the Sweepstakes, prevent fraud, confirm eligibility, contact potential winners, deliver prizes, and meet its legal obligations. Service providers may help with those tasks. We may ask potential winners for additional information we reasonably need for verification, prize delivery or legally required reporting. For details on what we collect, how we use it, how long we keep it, and your privacy choices and rights, see The Mortgage Reports' Privacy Policy and Sweepstakes Notice at Collection.

Entering is not a mortgage request. Submitting an entry does not request mortgage information or a loan quote, does not authorize a credit check, and does not give any lender permission to call or text you. Sweepstakes entries will not be passed to lenders as leads. No phone number is required to enter.

The newsletter is optional and separate. If you choose to subscribe, you may receive the First-Time Homebuyer Checklist, homebuying tips, and promotional emails from The Mortgage Reports. Declining the newsletter, or unsubscribing later, has no effect on your entry or your odds.

9. WINNERS LIST: For the names of all prize winners, available after December 28, 2026 (three weeks after the final drawing), send a self-addressed, stamped envelope with your request to: Full Beaker, Inc., Attention: The Homebuyer's Trail Sweepstakes, Winners List, 11900 NE 1st St, Suite 300, Bldg. G, RM 3014, Bellevue, WA 98005.

10. SPONSOR:

Full Beaker, Inc., which operates The Mortgage Reports
Attention: The Homebuyer's Trail Sweepstakes
11900 NE 1st St, Suite 300, Bldg. G, RM 3014, Bellevue, WA 98005

11. PUBLICITY: Sponsor will disclose winner information where the law requires it. Sponsor will obtain a winner's separate permission before using the winner's name, image, or testimonial in any other promotion, where the law requires it.

The Homebuyer's Trail is for education and entertainment. Nothing in the game is financial advice. Playing it is not a mortgage application, does not mean you are approved for a loan, and does not commit anyone to lend you money. A virtual key in the game does not mean you own a home and does not guarantee a prize. Reaching an ending unlocks the entry form for eligible players; you still have to submit that form to enter. You never have to ask about a mortgage, apply for a loan or complete any transaction to enter or win.