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Tips to Applying For a Home Loan Online

1. Get a pre-approval from as many different brokers as you can, as long as they won't pull your credit - If the application asks you to describe your credit, it is likely that the broker is not going to pull your credit. If the application asks for you social security number, they might pull your credit. Wait until you decide on a broker to work with to have your credit pulled.

Top Recommended Companies To Refinance With:
(updated ):

Act Now! Lower your monthly mortgage payment!     - Competitive rates and no hidden fees
    - Bad Credit OK
    - New Purchases, Home Equity & Refinance
    - One dedicated mortgage banker from first call to closing
    - Quick Application with worthwhile results

If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.

Mortgage rates are still low. Refinance & Lower Your Payment!
    - Get Started on a Lower Payment Now!
    - America's #1 Online Lender
    - Save More and Spend Less!
    - No Obligation and Free Expert Advice

Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.

2. Be accurate in entering your personal information - Not being accurate on your application will slow down the approval process. State your income accurately. Sometimes people will inflate their income on their application in hopes that this will help their approval process. What this does is give the broker a false sense of your situation.  Inflating your income can slow down the pre-approval process by having to start over again when the broker discovers your true income amount.

3. Use only reputable finance companies - Is the site professionally made? Is their contact information available? They should have a contact phone number.

On the application or inquiry you are filling out, look in the web address bar and see if the page you are on starts with https:// instead of http://. The s means that the page is secure.

Was the company recommended from another site?  Consider these points before you apply.  You don't want to risk your personal information with a website that is not safe.

Recommended Online Mortgage Lenders:

Most of these do not pull your credit with an initial application, so you can apply to as many as you want, risk free.

For low rates for refinance, purchase & home equity loans:
 

These are the Best of the Best:
(updated )

Mortgage rates are still low. Refinance & Lower Your Payment!
    - Get Started on a Lower Payment Now!
    - America's #1 Online Lender
    - Save More and Spend Less!
    - No Obligation and Free Expert Advice

Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.

Act Now! Lower your monthly mortgage payment!     - Competitive rates and no hidden fees
    - Bad Credit OK
    - New Purchases, Home Equity & Refinance
    - One dedicated mortgage banker from first call to closing
    - Quick Application with worthwhile results

If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.

The average rate of interest on mortgage loans continues to fall and has been under 5 percent for almost all of this past year, with this recent round of rate cuts seen as the lowest for borrowers in years. The reason, many borrowers today have bad or at least less than perfect credit scores. Still a borrower with less then perfect credit an jump through a few hoops and get a fairly decen rate on a loan.

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