Frequently Asked Questions about Quick Home Mortgage Loans

Here are the answers to some of the most commonly asked questions about quick home mortgage loans. Let us know if your question is not answered.

How can I get quick home mortgage loans?

You can get started on your home mortgage loan by clicking “Apply Now” anywhere you see it on our website. This will lead you to our short, free application for mortgage loans. This will not take you more than a few minutes to fill out, and you will then be matched with up to four lenders.

What makes your home mortgage loans quick?

We save our customers time in two ways. First, we make applying for a home mortgage loan as easy as possible by allowing our customers to complete our free application online. You can do everything on your own time from the convenience of your home computer. Secondly, we save you a mountain of time by doing your comparison shopping for you. We provide you with multiple quotes from different lenders, which results in quick home mortgage loans for you.

Is this site run by a bank or mortgage lender?

No, we are not a financial institution of any kind. We are simply a free referral system that helps match consumers with lenders in the most convenient way we can. We are not a lender, nor do we have any vested interest in which mortgage lender you choose. You can trust that our information will be objective and accurate.

Do I need a down payment?

To pre-qualify for quick home mortgage loans, it helps tremendously if you can make a down payment. Especially for people with less-than-perfect credit, a down payment can improve your chances of qualifying and even help with the rates you receive.

What if I have bad credit?

Having imperfect credit history doesn’t necessarily disqualify you from quick home mortgage loans, but you usually must supplement your credit with a sizeable down payment. Without good credit or a down payment, you may have trouble finding a lender who will give you reasonable terms. If this is the case, find out your credit score and take some time to improve it and save toward a down payment.

What’s the difference between fixed-rate and adjustable-rate mortgages?

With a fixed rate mortgage, you may pay a higher interest rate initially, but you are guaranteed this rate for the life of the loan. An adjustable-rate mortgage (ARM), on the other hand, will have a variable interest rate. Initially, though, an ARM might be able to offer lower interest rates on your quick home mortgage loan.