Eligibility: The Promotion is open only to individuals, who are legal residents of the State of Maryland, 18 years of age or older, and who close a home purchase loan during the Promotion Period (defined in the next paragraph) with a licensed Next Step Realty salesperson. If the mortgage exceeds $20,000 for the calendar year, Next Step will pay the principal and interest, up to $20,000.00. Alternatively, to enter without applying or closing on a home purchase, clearly hand-print your full name, mailing address, e-mail address, and daytime phone number on a letter, and mail that letter in a hand-addressed envelope to “Mortgage Payment Sweepstakes”, Attn: Contest, Next Step Realty, 22 W. Padonia Rd., Suite A-100, Timonium, MD 21093. Mail-in entries must be postmarked no later than the last day of the “Promotion Period and received within five (5) days after the last day of such Promotion Period to be eligible. Only ten (10) entries per person per Promotion Period will be entered. Entries become the property of the Sponsor and will not be returned.
If you do not meet any of these requirements or any other eligibility requirements in these Official Rules, you are not eligible to win the prize, and the Sponsor reserves the right not to award the prize to you. Directors, officers, and employees of the Sponsor and/or those living in the same household of each, are not eligible to win. Promotion is subject to all applicable federal, state, and local laws and regulations, and is void where prohibited by law.
Promotion Periods: The Promotion Period is:
From 12:00 a.m. (all times Eastern Time) on January 1, 2022 until 11:59 p.m. on December 31, 2022
Prize: An amount equivalent to 12 months of mortgage payments to include principal and accrued interest or the present value of the same, calculated in the sole discretion of the Sponsor, not to exceed $20,000.00. Private Mortgage Insurance, Real Estate Taxes, and other “escrow items” are not included.
The sponsor reserves the right to substitute a prize of equal or greater value in its sole discretion for any eligible winner. Odds of winning depend on the number of eligible entries received during the Promotion Period.
Random Drawing: A winner will be selected in a random drawing from all eligible entries to be held no later than two (2) weeks after the end of the Promotion Period. The winner will be notified by telephone and/or email within four (4) weeks after the last day of the Promotion Period. The prize winner will be required to execute an affidavit of eligibility and liability/publicity release within seven (7) days following the date of attempted notification. The prize will be awarded within thirty (30) days after winner verification. If a prize notification is returned as undeliverable, it will result in disqualification, and the prize will be awarded to an alternate winner in a separate random drawing. Prizes are not assignable or transferable, except to a surviving spouse.
The prize is awarded “AS IS” and WITHOUT WARRANTY OF ANY KIND, express or implied. No substitutions or exchanges (including for cash) of any prize will be permitted, except that the Sponsor reserves the right to substitute a prize of equal or greater value. The winner is responsible for all federal, state, local, sales, and income taxes associated with the receipt and/or use of any prize. Entry and acceptance of any prize constitute permission to use the winner’s name, prize won, office affiliation, hometown, and likeness for online posting and promotional purposes without further compensation, except where prohibited by law. Unless prohibited by law, the winner will be required to sign and return an affidavit of eligibility, liability release, publicity release, tax forms, and other reasonable documentation provided by the Sponsor before being awarded a prize. If the winner does not execute such documentation upon request, their prize will be forfeited and the prize will be awarded to an alternate winner. The prize is guaranteed to be awarded.
General: Sponsor will not be responsible for late, lost, illegible, incomplete, damaged, or misdirected entries and accepts no responsibility for any injury, loss, or damage of any kind resulting from an entrant’s participation in the Promotion. By entering the Promotion, each entrant agrees to these Official Rules and waives, and releases the Sponsor and the Sponsor’s subsidiaries, and affiliated companies, and all other businesses involved in this Promotion, as well as the employees, officers, directors, and agents of each, from, all claims, costs, injuries, losses, or damages of any kind arising out of or in connection with the Promotion or delivery, mis-delivery, acceptance, possession, use of or inability to use the prize (including, without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, whether intentional or unintentional), whether under a theory of contract, tort (including negligence), warranty or other theory. Sponsor reserves the right to amend these Official Rules or to terminate this Promotion. If any provision of these Official Rules is deemed unenforceable by a court of competent jurisdiction, it shall not affect the enforceability of the remainder of these Official Rules to the extent permissible. Sponsor is not responsible for any typographical or other error in the printing or delivery of any Promotion materials, administration of the Promotion or in the announcement of any prize. The Promotion and these Official Rules will be governed, construed, and interpreted under the laws of the state of Maryland. Entrants agree to be bound by these Official Rules, which are final and binding in all respects.
Winners List; Rules Request: For a winners list, view our Winners List section below or send a self-addressed, stamped, business-size envelope anytime between four (4) weeks after the last day of a Promotion Period and one (1) year after the last day after a Promotion Period. To obtain a copy of these Official Rules, visit the Official Rules page or send a stamped, self-addressed, business-size envelope to Next Step Realty.
Confidentiality: Information provided by you to participate in this Promotion is subject to Next Step Realty’s Privacy Policies.