Got an offer in the mail from a big online mortgage broker with the come-on, "We'll beat any written offer for a mortgage you've been approved for. And if we can't, we'll give you a $250 Visa gift card!" Serendipitously, we'd just received an approval letter for a mortgage we'd been working on for some time. Online company couldn't beat it, said so, and sent us a form saying "as soon as you've closed on the house, fill this out and send us proof, and we'll send you the card!" This will cover more than half the cost of the home inspection...whee!