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Find a Refinance & Mortgage Broker in your state, in your city. Here's a sample listing:
City: Wasilla
State: AR
Zip: 99654
Address: 224 N. Yenlo Ste 3B
Find the refinance loan that's perfect for you. Just answer a few questions like these and you're on your way!
Type of Loan: 15 Year
Current Balance: $50,000
First Mortgage Term: 30 Year
Value of your Home: $450,000
From your home, from your own computer, you can type in your information once, and get competing refinance quotes from as many as four leading lenders. It's fast, it's secure, and it's easy. You do it on your time, at your own pace, then wait for lenders to contact you.
Click Here to Apply!
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Refinance Loans for Every Property
Refinancing a condo? No problem. How about a 5 BR house? Also no problem. Whatever you have, we can help you refinance.
Fast, Easy and Free Quotes
The questions on our quick form are simple and easy to answer. In just minutes you can have quotes from reliable lenders so you can begin refinancing.
No Obligation for Borrowers
You can solicit refinance quotes from competing lenders, but you are not at all obligated to choose any of them at any time. No pressure!
 

Mortgage Quote

What Your Lender Needs to Know About Your Home Equity

The Mortgage Quote from the Lender Perspective

Put yourself in the shoes of the mortgage lender. If you were considering lending a total stranger tens of thousands of dollars, wouldn't you do what you could to find out whether the person was a good risk? If you had a choice between two different total strangers, wouldn't you choose the person who was more likely to pay back the loan? Of course you would. Well, after you get a mortgage quote and choose the best deal, then the tables are turned and the lenders examine your financial history and choose the best borrowers. It's all about finding the best match for everyone, and there are actually lenders out there who specialize in borrowers whose financial history is far from perfect. Let's take a look at what lenders look at before they loan.

Your Financial History

Lenders don't really want to know personal things about you, other than your financial history. That's all that should matter. In fact, it's illegal for lenders to look at anything other than our financial history. They can't consider your race, religion, gender, or any other non-financial personal parts of your life.

So, exactly what is the financial history, and how do lenders get yours? There are a few components that make up your financial history. Here's a short list of the items:

  • employment history
  • credit report
  • credit score
  • credit card debt
  • auto payments
  • monthly spending
  • student loans
  • how much you've saved
  • your net worth

Your Property

In addition to looking into your financial history, lenders will also analyze your real estate. Since they're essentially buying the property with you, and putting their money at risk too, they want to make sure it's a good investment. They will want title insurance, in case public records are incomplete or inaccurate. They might also require termite inspection and property surveys, and a general inspection of the property, too. By the way, the property inspection is a really good idea, since you want to know yourself what you are buying. Lenders will also want to make sure there are no claims against the property...so there is a required title search.

Mortgage Quote

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