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Do you normally walk into a branch to do your banking?
What type of mortgage is this?
How would you describe your credit?
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- Consider a shorter term if you anticipate needing to move due to work, school, or restrictions of size with an expanding household.
- Consider a “Full” or “Premium” product if you anticipate requiring a bigger loan to consolidate debts. These have lower penalties.
- Choose a “Basic” product if you are buying with less than 20% down and are not planning on making any changes to your mortgage.
- If you are applying with more than one applicant - be aware if there are any changes to their eligibility - (divorce, job loss, sickness, death) you may need to make changes to your loan - (choose a Premium Product).
- If you are applying alone, have you considered taking an insurance product in order to protect yourself and family against job loss/sickness/death0
- Just because you can afford it, doesn’t mean you should max out your affordability.
- If you are trying to consolidate debt, make sure to include all possible debts - rather than having to refinance more than once in a short period of time.
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This is your principal + interest payment,or in other words,what you send to the bank each month. But remember,you will also have to budget for homeowners insurance,real estate taxes,and if you are unable to afford a 20% down payment,Private Mortgage Insurance (PMI). These additional costs could increase your monthly outlay by as much 50%,sometimes more.
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