Seven questions, no typing, and the answer shows up on this page. If the honest answer turns out to be 'do not refinance yet', we would rather tell you that.
What are you trying to get out of it? A lower monthly payment A lower interest rate To pay it off sooner, or stretch it out Cash out of the equity A line of credit I can draw on To get rid of mortgage insurance
Back Where is the property? We lend in 41 states and have branch teams in five, so this decides who picks up the phone.
Michigan Florida Colorado Tennessee North Carolina Somewhere else
Back What is the property to you? The home I live in A second or vacation home A rental or investment property
Back Roughly how much of it do you own outright? Equity decides what is possible more than anything else on this list. A rough guess is genuinely fine.
Less than 10% About 10% to 20% About 20% to 40% More than 40% It is paid off No idea
Back How do you earn your income? This is the question that decides the most, and the old version of this page never asked it. Being self-employed does not disqualify you here. It usually just changes which paperwork proves your income.
W-2 job Self-employed or business owner 1099 or contract work Mostly rental or investment income Retired or fixed income A mix of these
Back Roughly where is your credit? A guess is fine. Nothing here is a credit check, and nothing here touches your score.
Excellent (800+) Very good (740 to 799) Good (670 to 739) Fair (580 to 669) Needs work (under 580) I honestly do not know
Back Have you served in the military? Yes, veteran or active duty No
Back Heads up: this page normally works out your matching programs and shows them here, but that needs JavaScript. Fill in what you can below and one of our advisors will come back to you with the same answer, or call (616) 951-1561 and skip the form entirely.
Here is what fits
Not seeing yourself in these? That happens, and it usually means the interesting part is something a form cannot ask. See all 19 programs
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Want us to check it against your actual numbers? You already have the answer above, and it is yours whether or not you fill this in. If you want a second opinion on a quote you are holding, or a real pre-approval, this is the fastest way to get one. Or just call (616) 951-1561 .
