Frequently Asked Questions (FAQs)

1.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.

2. How much does the service I get through ApplyToRefinance.com cost me?

IT IS ABSOLUTLY FREE!! There is NO COST when you apply on our secure one page application.

3. 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.

4. What states does Apply to Refinance service ?

We currently service All 50 US states.

If you are looking for a loan in the UK, EU or Asia please contact us, and we can arrange for a suitable lender.

5. What types of loans quotes requests does ApplyToRefinance.com offer?

You can request a quote for:
1st & 2nd Mortgages
Refinances Fixed or Variable Mortgage Rate
Home Improvement loans
Home Equity Line Of Credit (H.E.L.O.C.)
FHA
VA
Conventional
Home Purchases Interest Only Loans Option ARM

We accept applications from ALL types of Credit histories.

( ApplyToRefinance.com is NOT a lender. We place you with up to four different lenders and/or brokers that offer the loan type you need; it would then be up to you to determine which lender can provide you the best benefit for your investment.)

6. What languages do ApplyToRefinance.com offer applications in?

We offer application in English and Spanish.

7. 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.

8. 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.

9. What does an "interest only program" mean?

An interest only program is a loan that for a predetermined time period you can pay interest only monthly mortgage payments. You will not be required to pay your principal balance until the end of that time period. Normally the interest only period lasts for 5, to 10 years. After that period the loan goes back to principal and interest payments each month to start paying down your principal balance.

10. 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.