I like the new version much better, Brandon. Clear and bold. Busy--but not --over busy. Could you make the referral bonus more clear?
You should always be having some kind of sale--for example: "Save half on your first application!" Early bird sale.
And there should always be a call for action. "Limited time offer. Don't miss out."
The fear of missing out on a sweet deal is a strong motivator. So is greed--half-off sounds good to anybody.