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Loan Information

You should choose this option if you are paying off an existing mortgage and netting less than $2000 cash or if you are paying off a Purchase Money First and Second Mortgage and netting less than $2000.

You should choose this option if you are netting more than $2000 Cash, if you are paying off a Second Mortgage that was not taken out at the time of purchase or if you are paying off any other consumer debts with the proceeds of this loan.

Credit Information
Loan Programs

A mortgage in which the interest rate does not change during the entire term of the loan.

A mortgage that permits the lender to adjust the mortgage's interest rate periodically on the basis of changes in a specified index. The interest rates on these loans will be fixed for a specified period of time, then will become adjustable for the remaining years of the loan. Once adjustable, the interest rates may move up or down, as market conditions change.

Documentation type

I qualify with full documentation of my income and assets. This will allow me to obtain the best rate and loan fee.

I will not document my income but will provide full asset documentation. This will reduce the amount of paperwork needed to close my loan, but may increase my rate or loan fee.

I am not willing to document my income and assets. This option may further increase my rate and loan fee.

Taxes & Insurance

Do you want to include your taxes and insurance with your monthly payment?

This may result in a lower rate or loan fee.

This may increase my rate or loan fee.

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Help Guides

Helpful Links

The loan process can sometimes be overwhelming and confusing. We believe the best way to ensure you're getting the best loan or refinance program for you, is to get educated and stay informed. Below you will find useful links to the loan process and to some helpful articles.

Loan Process

One Easy Fee Home Loans takes you through the process of obtaining a home loan or refinance, step by step. If you don't find the information here, call one of our non-commissioned loan consultants.

Loan Process for Home Purchases
Loan Process for Refinancing

Helpful Articles

We've compiled some useful articles and tips written by industry experts and One Easy Fee to keep you informed on the latest trends and resources available to borrowers.

Home-Buying Basics: Things to Consider When Choosing an Online Lender
How Can I Improve My Credit?

Glossary

A summary of common mortgage terms and their definitions.

Glossary of Useful Terms