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Refinance

Mortgage Information

estimated home value: The estimated market value of the home

loan amount The total amount you intent to borrow

credit score A higher credit score will improve the rates you can access

More than 780

760 — 779

740 — 759

720 — 739

700 — 719

680 — 699

660 — 679

640 — 659

Less than 640

cash out: Taking cash out on your mortgage may affect your interest rate.

loan-to-value ratio Loan-to-Value is a ratio of loan amount to home value. It is the primary way that lenders assess risk of a loan. A higher LTV may result in a higher rate for the borrower.

80%

100%

95%

90%

85%

80%

75%

70%

65%

60%

55%

50%

45%

40%

35%

30%

25%

20%

15%

10%

ZIP: The 5-digit zip code that helps identify the location of a property.

county, city: County and city where the property is located, which may impact taxes and regulations.

Select a County

type of loan:

Conventional

Jumbo

FHA

USDA

UFMIP: Upfront mortgage insurance premium for FHA

upfront fee: Upfront fee for USDA

funding fee: Funding fee for VA

total loan amount:

upfront MIP: (Mortgage Insurance Premium)

Financed

Not Financed

VA service type:

Regular Military

Reserves/National Guard

VA use type:

First Time

Subsequent Use

VA disability status:

N/A

Currently Receiving

VA funding:

Financed

Not Financed

loan term: Shorter-term loans may secure you a comparatively lower interest rate.

30 Years

25 Years

20 Years

15 Years

10 Years

properties currently under finance: Total number of properties you own and are currently financing.

Fewer Than 5

5 or More

occupancy: Determines if the proprety will be considered an investment property or a residence.

Primary Residence

Investment Property

Second Home

manufactured: Mark Yes if the home for purchase is a manufactured, or prefabricated home.

Yes

number of units: Mark the total units contained on the property.

1 Unit

2 Units

3 Units

4 Units

legal structure: Mark the legal ownership structure of the property for sale.

Single Family

Condo

Co-op

PUD

lien position: Defines the priority of the loan in case of default.

First

Second

Third

product type: Type of mortgage product selected.

Standard

Affordable

Interest Only

mortgage insurance: Select who pays the mortgage insurance and whether it is financed.

Borrower Paid Not Financed

Borrower Paid Financed

Lender Paid

reserves (Months): The number of months of reserves you have.

amortization type: Choose whether the loan is fixed or adjustable over time.

Fixed

ARM

Balloon

monthly qualifying income: Your gross monthly income used to qualify for the loan.

DTI ratio: Your Debt-to-Income ratio as a percentage.

Subordinate Financing Check if there is secondary financing on the property.

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