Questions before you call
Can I ask questions before applying?
Yes. Call to discuss your plans and the process. Do not email financial documents or identity numbers.
Is a rate shown here a promise?
No rates are offered on this template. Confirm current terms, eligibility, fees and any rate-lock conditions directly.
Can you guarantee loan approval?
No. Approval depends on underwriting, documentation and applicable requirements.
What is the difference between rate and APR?
Ask for an explanation of both measures and the costs included in the specific loan disclosures you receive.
Can we discuss refinancing?
Yes. Discuss the purpose, costs, current loan and time horizon through an agreed channel.
How should I send documents?
Call first to confirm an approved secure channel. Do not send account numbers or identity documents through ordinary email.
Are closing costs included in the rate?
Ask for the written loan disclosures and a clear explanation of lender and third-party costs.
Can you promise a closing date?
No. Timing depends on the parties, underwriting, records and other conditions.
Where can I check licensing?
Use the published NMLS and state license details after the owner has verified and filled them in.