Home Loan Guide - Refinance Wizard

Welcome to your Refinance Wizard. This Wizard is designed to enable you with the opportunity to determine what Loan Programs are best for you. The Refinance Wizard is for Refinancing loans only. If you'd like information on purchasing; please see our free Home Loan Guide .

What is the reason you are considering a loan?

To decrease my payments To obtain a lower interest rate on my loan To set a new term on my loan To consolidate my debts To cash out on my loan To add another line of credit For another reason

For what duration will you keep the property?

Less than a year 1-5 years 5-10 years 10-20 years 20-30 years More then 30 years

What is the balance on your first mortgage?

Do you have a second mortgage?

Yes No

If so, what is the current balance on your second mortgage?

What is the interest rate on your mortgage?

How much do you pay on a monthly basis for your mortgage?

What is your current term/program?

Does your mortgage have a pre-payment penalty?

Yes No

If yes, how much?

Unsure Up to $15,000 $15,000 to $30,000 More then $30,000

If you are consolidating your debt, how much will you consolidate?

If you are receiving a cash loan, what amount would you prefer?

How much is your current property valued at?

In regards to fixed rate, adjustable rates,
or other programs, what are you most interested in?

A fixed rate Adjustable rates Biweekly payment Interest only payment Lowest payment attainable Other alternatives

Will you be the primary borrower?

Yes No

Will there be a co-borrower?

Yes No

How is your credit history?

Excellent Good Poor Very Poor Unsure

How is your mortgage payment history?

Perfect, no late payments Some late payments within the last few years Many late payments Forclosure

How long have you been working at your current job?

If self employed, how long?

How much do you pay per month on your personal expenses?

What is your estimated monthly gross income?

What is the estimated value of your assets?

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