How do I use ApplyToRefinance.com to get a loan application started?
It's very easy to start your loan process here at ApplyToRefinance.com . All you have to do is click on "Apply Now" and fill out our quick and secure one page application. Once you click submit, we then send your application to up to four different lenders and/or brokers, who will then contact you by phone and e-mail to earn your business.

Once I have applied, am I under any obligation to except any of the offers I get from the lenders and/or brokers?
You are under NO OBLIGATION from ANY of the offers that the lenders and/or brokers give you.

What states does ApplyToRefinance.com service?
We are currently servicing :
Arizona
California
Colorado
Illinois
Minnesota
New Mexico
Nevada
Oregon
Utah
Washington
(check back soon as we will be adding more states)

What types of loans applications does ApplyToRefinance.com offer?
We Offer :
1st & 2nd Mortgages
Refinances
Home Improvement loans
Home Equity Line Of Credit (H.E.L.O.C.)
FHA
VA
Conventional
Home Purchases
We accept applications from ALL types of Credit histories.
( ApplyToRefinance.com is NOT a lender. We a marketing company that places you with up to four different lenders and/or brokers; it would then be up to you to determine which lender can provide you the best benefit for your investment.)

What languages do ApplyToRefinance.com offer applications in?
We offer application in English and Spanish .

What does it mean if I do a "Home Refinance"?
A home refinance means to generally refinance your house to get a lower interest rate; also provided you have an adequate amount of equity, you can take cash out for home improvements, debt consolidation or just to have extra cash.

What is a "Home Equity Line Of Credit? (H.E.L.O.C.)?
A home equity line of credit is also know as a H.E.L.O.C., it is a loan that allows you to access monies to payoff credit card debt or home improvements, etc. Also until you validate the amount borrowed, you will only pay the required minimum payment.

What does an "interest only program" mean?
An interest only program is also called the "Option Loan", it is normally a five year adjustable, which allows you four different payments starting from low to high it is up to you to choose which payment you would like to make. This type of loan is perfect for someone who wants to build equity and sell after five years.

How can I tell if it the right time for me to refinance?
It will all depend on your individual situation. We have provided many Loan Tools to assist you with your decision. Please click here to visit our Loan Tools section of our site.