Who this article is for
This article is for:
Borrowers with active Nestmatch rewards
Homeowners planning to sell or refinance
Anyone wondering whether their rewards are lost or transferable
Borrowers comparing Nestwise to traditional lenders
Your Nestmatch balance is always yours
When you sell, refinance, or pay off your Nestwise mortgage, your Nestmatch rewards do not disappear.
Your balance belongs to you and stays in your name.
What happens next depends on your situation.
1. If you sell your home
If you sell your home and pay off your Nestwise mortgage:
You can choose one of the following:
Option A: Withdraw your balance at closing
Your Nestmatch rewards can be withdrawn as cash
Funds are delivered according to program rules and payout timelines
This gives you immediate access to your earned rewards
Option B: Keep your Nestmatch account open
You can leave your balance in your rewards account
Your account stays active even after your loan is paid off
You can use the rewards later for a future Nestwise purchase
This option is helpful if you plan to buy again soon.
2. If you refinance with Nestwise
If you refinance into another Nestwise mortgage:
Your existing Nestmatch balance remains yours
Your account stays active
New contributions begin with your first on-time payment on the new loan
This is the smoothest path if you want to continue earning rewards.
3. If you refinance with another lender
If you refinance with another lender:
You may access your accumulated rewards at closing, subject to program rules, withdrawal eligibility, and any applicable costs or fees.
Your Nestmatch Rewards Account will stop receiving new contributions once your Nestwise loan is paid off.
Once withdrawn or closed, the account cannot be reactivated unless you return to Nestwise with a new Nestmatch-eligible mortgage.
4. If you pay off your loan early
If you pay off your Nestwise mortgage ahead of schedule:
Your rewards balance is preserved
You can withdraw it or keep it open
No further contributions will be added
Early payoff works the same as selling or refinancing.
5. When rewards are NOT forfeited
You do not lose your rewards when:
You sell your home
You refinance
You pay off your loan
Nestwise transfers servicing
You move to a different state
Rewards are designed to be portable.
6. When rewards may be affected
Rewards may be impacted only if:
Your loan becomes seriously delinquent
You violate program rules
A payment is late (only affects the monthly contribution)
Program terms change (you’ll be notified in advance)
These scenarios affect contributions—not your existing balance.
When to contact support
Reach out if:
You’re preparing to sell or refinance
You want help understanding withdrawal options
You don’t see your balance after closing
You need documents for closing or payoff
You want to keep your rewards account open for a future home
Support can guide you through the process step-by-step.