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Pre-Qualification:  Why is a simple prequalification alone usually not enough when starting your mortgage search?  A loan prequalification is usually just a best estimate by a loan officer after a brief period of conversation and little gathering of information. This guess assumes all the information you supplied was accurate.  You may even get a prequalification in writing on the lender's letterhead, but the lender is not providing a commitment to lend, that involves going a step further in the process.


Pre-Approval:  A preapproval involves an in depth examination of your credit history, financial situation, and sometimes the property itself.  The lender will independently verify the facts you supplied on your loan application.  They will collect and examine your W-2's (tax returns if self employed), pay stubs, credit report, and your bank and other asset statements.  You should then receive (request if you do not) a written commitment to lend on a specific property.  The only conditions usually present on a lender's preapproval are a satisfactory appraisal of the property, clear title, and proof of homeowner's insurance and flood insurance if required.



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Still paying a high interest rate on your mortgage? That extra money should be yours each month. When interest rates are lower than what you are currently paying, it's time to consider refinancing. This can mean great savings for you and your family. Replacing your existing mortgage with a new, lower interest loan, changing the term of your loan, or even consolidating all your debts into this new loan will save you money, both monthly and over the life of the loan. Through the QueConnect network of refinance lenders, we can specifically design a custom mortgage refinance loan quote 2-8% below your current rate.

  • Fill out the mortgage refinance loan quote questionnaire to the left. We will search our database of refinance loan programs to fit your borrowing needs, there are hundreds of options and thousands of loan programs available.
  • Within 24 hours you will receive up to 4 free no obligation mortgage refinance loan quotes. You then - Compare, Choose and Save!

 


Submitting personal information constitutes a request to generate a mortgage quote and authorize QueConnect to send your loan request to multiple qualified lenders and brokers, who will be calling you with no obligation mortgage quotes. The information will be used and disclosed to effect only such transaction. Personal information is not disclosed to others for purposes other than mortgage quotes. All rates and prices are subject to change without notice based on market conditions. Rates are also based depending in part on your unique credit history and transaction characteristics. Not all products and services are available in all geographic locations. Acceptance is based on eligibility requirements and subject to final determination.


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