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Frequently Asked Questions about Mortgage Applications

These are questions we are often asked about mortgage applications.

How can I fill out one of your mortgage applications?

You can fill out one of our mortgage applications by clicking "start now" wherever you see it on our site. This will take you to one of our free, online mortgage applications. You should be able to complete the application is less than five minutes. Once we receive your application, we will instantly provide you with a minimum of four quotes on home mortgages. We present these quotes to you side-by-side in easy-to-understand terms to make your comparison shopping as hassle-free as possible. You can then apply for the loan of your choice or save your quotes for later.

Who will issue my mortgage loan?

We partner with a vast network of local, regional, and national lenders. Which lenders will provide your quotes will depend on your needs, location, and preferences. You will have at least four different lenders from which to choose. Most of the top financial institutions participate in our lender network, so you can rest assured you will be dealing with respected, well-established companies.

What if I have less-than-perfect credit?

If you have less-than-perfect credit, you should still fill out one of our mortgage applications. We have a diverse network of lenders, many of whom are willing to work with consumers with credit challenges. Even if you don't have perfect credit, we can more than likely still match you with a lender that can meet your unique needs. If your credit is severely blemished, you might consider waiting to fill out mortgage applications until you've made some improvements to your credit score. This will help you secure lower interest rates and a lower overall cost of borrowing on your mortgage. There are some questions you should ask your lender before you sign anything.

What kind of a down payment should I make?

To fill out our mortgage applications, you don't have to have the details of your down payment completely worked out. Though the recommended down payment is 20%, many of our lenders will still accept applicants with a smaller down payment. However, keep in mind that if your down payment is less than 20%, you will have to pay for Private Mortgage Insurance (PMI), which is another monthly expense that will be added to your housing costs. A down payment of 20% can help you avoid this while also lowering your monthly payments and interest rates.

What kind of mortgages do you offer?

You can fill out mortgage applications for fixed-rate mortgages, adjustable-rate mortgages, mortgage refinancing loans, and many other types of loans on our site. Regardless of your mortgage needs, our lenders can offer you a loan that's right for you.

Learn everything you need to know about how our mortgage applications work. Here are the answers to the most commonly asked questions about mortgage applications.