4Home | 4Apply for Loan | 4Insurance Quotes | 4Credit Report | 4Contact Us
		Mortgage FAQ's ( Frequently Asked Questions ) How do I get the best rates? How long should my loan term be? Will my rates ever go up? Is applying online really that safe? What if I have questions about the loan process? Are your lenders known? Who can I contact if I have more questions? What do you mean by "Relocation Services"? What advantages does this have over applying at a bank? What if I don't have perfect credit?   1.: How do I get the best rates?   Getting the best rates are as easy as shopping around for them. Here, on QuoteMeALoan.Com, we do all of the shopping around for you. Allowing you to do the things you enjoy the most, instead of dealing with the stress and frustration of dealing with lender after lender. Upon submission of your request for a loan, we have up to 4 different lenders compete for your loan. It is quick and easy! Apply for a loan to have our lenders compete for your business!   2.: How long should my loan term be?   Choosing your payment structure should be based on your current income. try not to get yourself into a problem by choosing a term that is too short for you. Often times, 30 year payment terms is the optimal term for your loan. Other times, you may wish to pay it off early, and cut down on interest fees. So be sure to understand what the different terms can mean for you. You can use our Mortgage Calculator to figure out how much the difference is between the different loan terms.   3.: Will my rates ever go up?   Often times, loans will offer low introductory rates to bring you into their plans. One thing to remember is that locking in your rates ensures that the rate will not go up on that plan if you become accepted for it at this point. There are no guarentees that the rates will not go up on the plans while you are shopping around. This is why it is important to lock in your low rates while they are still there. If your term rates ever change, they usually offer an adjustment period of about 6 months, to adjust to the rate increase. Most loan rates vary from company to company, so it is important to explore that aspect when choosing which lender is right for you.   4.: Is applying online really that safe?   The myth of people stealing information from pepople while they submit their data can be misinterpreted as fact. The truth is, most information being submitted through a website is being submitted directly to the server, which is then either forwarded to a safe and secure platform, or is sent via a form to the webmaster, and deleted from the server. There are ways that people can obtain information from your computer, or by putting "Trojans" on your computer, which are little programs that open up your computer connection to the outside world when they are installed. This is why it is important to always run a virus scan on your computer, and make sure the virus definitions are up-to-date at all times. But in terms of submitting data via and online form, it is secure, as long as you dont have a "Trojan" monitoring your activities.More information on viruses , as well as obtaining software to eliminate them can be found at Symantec.   5.: What if I have questions about the loan process?   Asking the lender all of the questions which you feel you need to is the most important thing you can do when deciding which loan is best for you. They should have answers to your questions, and if they do not, they know someone who can assist you with the answer, or point you in the right direction. Remember, applying for a home loan is a big step, so have your ideas ready and waiting for when you apply for a loan.   6.: Are your lenders know?   Yes, we only use certified lenders who have years of experience in the mortgage industry. So you can be assured, your lender will be dedicated to helping you get your loan.   7.: Who can I contact if I have more questions?   You can contact Greg Sidoff at our office between 9 AM MST and 5 PM MST Monday through Friday at the contact information below. Phone: 602-740-3257 E-Mail: info@quotemealoan.com   8.: What do you mean by "Relocation Services"?   Relocation Services are tools which assist in helping you locate the best possible options to get you to your new home. It contains guides for your target area, as well as real estate professionals willing to help you find your dream home!   9.: What advantages does this have over applying at a bank?   Sitting in a bank waiting to fill out mounds of paperwork is something that people definitly do not look forward to. And even then, you are only applying for that bank's loan service, so you do not get the benefit of shopping around, or having other lenders compete for your business. The advantages are easy to see. Online applications are quick, and eliminate the need for you to drive all the way to the bank and wait for a loan rep.   10.: What if I don't have perfect credit?   If you have imperfect credit, we may be able to help you! We understand that a good credit rating is essential to obtaining the perfect loan for you. You can check out our Imperfect Credit Solutions for more information on how we can help you restore your credit rating!
		Home | Apply Online | Debt Consolidation | Imperfect Credit | FAQs | About Us | Contact Us ©2004 QuoteMeALoan.Com. All Rights Reserved.