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Home Loan Guide - Refinance Wizard

Welcome to your Refinance Wizard. This Wizard is designed to enable you with the opportunity to determine what Loan Programs are best for you. The Refinance Wizard is for Refinancing loans only. If you'd like information on purchasing; please see our free Home Loan Guide .

What is the reason you are considering a loan?

To decrease my paymentsTo obtain a lower interest rate on my loanTo set a new term on my loanTo consolidate my debtsTo cash out on my loanTo add another line of creditFor another reason

For what duration will you keep the property?

Less than a year1-5 years5-10 years10-20 years20-30 yearsMore then 30 years

What is the balance on your first mortgage?

Do you have a second mortgage?

Yes No

If so, what is the current balance on your second mortgage?

What is the interest rate on your mortgage?

How much do you pay on a monthly basis for your mortgage?

What is your current term/program?

Does your mortgage have a pre-payment penalty?

YesNo

If yes, how much?

UnsureUp to $15,000$15,000 to $30,000More then $30,000

If you are consolidating your debt, how much will you consolidate?

If you are receiving a cash loan, what amount would you prefer?

How much is your current property valued at?

In regards to fixed rate, adjustable rates,
or other programs, what are you most interested in?

A fixed rateAdjustable ratesBiweekly payment Interest only paymentLowest payment attainableOther alternatives

Will you be the primary borrower?

YesNo

Will there be a co-borrower?

YesNo

How is your credit history?

ExcellentGoodPoorVery PoorUnsure

How is your mortgage payment history?

Perfect, no late paymentsSome late payments within the last few yearsMany late paymentsForclosure

How long have you been working at your current job?

If self employed, how long?

How much do you pay per month on your personal expenses?

What is your estimated monthly gross income?

What is the estimated value of your assets?

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