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Frequently Asked Questions

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This section is dedicated to the questions that we receive on a regular basis. Please read through this list thoroughly, as the unique problem, question, or issue that you may have someone else has experienced as well.

Question: Can you help in my state?
Answer: Yes we can help people in all 50 US states and depending on the loan request we can also help people in Canada and the US Virgin Islands.

Question: Are there special mortgages for
first-time homebuyers?

Answer: Yes. Now there are several affordable mortgage options being offered that can help first-time homebuyers overcome obstacles that made buying their first home difficult in the past. Including those with little or no down payment, or closing cost funds, those with bad or no credit, debt issues, or unstable income. Apply

Question: What are points?
Answer: Points are loan fees that are paid to lenders and mortgage brokers. 1 point = 1% of the loan amount. There are two different types of points:

  • Origination points

  • Discount points

Origination points are charged by a mortgage company as a fee to process and approve your loan, while discount points are used to buy down the rate of interest, and typically are passed through to the investor to secure that lower interest rate.

Question: How do I get started?
Answer: Just fill out the FREE no obligation form by clicking here. You will be contacted by up to 4 lenders with their best offer to compete for your business usually within 24 to 48 hour.

Question: What if I have a very unique situation.
Answer: We listed many programs on our web pages, many of them represent individual programs available. Some programs may be combined. As an example: There are programs to buy a home with no money down and programs to buy a home with the worst possible credit even a day after bankruptcy, but there are no programs for both no money down and very very bad credit. On the other hand you may find a program to combine no money down programs with programs such as self-employment programs or no income verification programs. Although our programs are flexible, but each loan type has qualifications. It is important you provide us with some pulmonary information so we can determine the best loan product for your individual needs. The best way to determine your eligibility is to fill out our FREE no obligation form. This will give the necessary information to our loan specialists to get you an answer fast.

Question: I would like to get a rate quote.
Answer: Our system will assign you to loan originators. Rate quotes may only be given by the originators, therefore you will have to fill out the no obligation form You will be contacted to have all your questions answered including those in rates.

Question: My credit is REALLY bad is there any hope?
Answer: Unless you are in a bankruptcy which has not yet been discharged your credit should not stop you from getting a loan. The problem may come when you try to make all aspects of the transaction come together including the loan to value, rate, and debt ratios. Our network is filled with lenders who specialize in loans for people with very bad credit by using our form. Up to four lenders will contact you which will better your chances at finding the loan you need.

Question: I submitted an application recently but I haven't received a response, why? Answer: It may take 1-7 business days for you to receive a response. Please be patient. If it has been longer than that please refill out the form.

Question: Are there some combinations people frequently request that do not exist?
Answer: Yes, there are no programs that combine bad credit with either 125% equity loans or bad credit and single wide mobile homes located on rented land.

If you do not see the information you are looking for we have a complete Mortgage Term Glossary that may be of more help.