Costs incurred include loan origination fees, discount points, appraisal fees, title searches, title insurance, surveys, taxes, deed-recording fees and credit report charges

With a higher monthly rate with negative mortgage points, you might reduce your closing cost. When the closing cost is negative, the broker will pay you the closing cost.

Refinancing is the process of swapping out loans, moving debt to a different loan or lender. The process is briefly described below: 1. You've got an existing loan 2. You apply for a new loan 3. The new loan pays off the existing loan 4. You're now left with the new loan

Save money: a common reason for refinancing is to save money on interest costs. This generally requires that you refinance into a loan with a lower interest rate than your existing interest rate. Especially with long-term loans and large dollar amounts, lowering the interest rate can result in significant savings. Improve cash flow: refinancing can lead to lower payments (such as your required monthly mortgage payment). This makes cash flow management easier and leaves more money in the budget for other monthly expenses. When you refinance, it's often the case that you extend the amount of time that you'll repay a loan – this means lower monthly payments.

You can call, send us email, chat with us. If you start a loan, we will provide you a account so that you can check your loan details, upload documents and send us message anytime.

Yes, you will be able to change any loan's details before the loan is locked.

You will guide with our Loan Originator. You can also check it on the Loan's detail in your borrower's potal.

You can click on the Chat icon at the lower right corner of the page. During our business time, we can chat with you directly. If out of business hour, you can leave us a message. We will come back to you as soon as possible.