Mortgage Refinancing for the Best Home Mortgage Loans for your financial situation

What can HomeLoanHelper do to get the best home mortgage loans for me? 
Mortgage refinancing can be a complicated process for some individuals. HomeLoanHelper makes your debt consolidation loans, home equity loans, second mortgage loans, etc. effortless. We work with hundreds of brokers and lenders in almost all of the 50 states who have access to the best home mortgage loans programs across the country. We save you the time and hassle of calling each lender yourself and having multiple inquiries show up on your credit reports. Second mortgage loans can be made to work for your financial needs. Let us find the best home equity loans or home mortgage loans for you. Search the questions below for frequently asked questions about debt consolidation loans and situations. 

Once I apply, how long will it take before I am contacted?  
Your application is sent instantly to up to 4 loan professionals. You could be contacted within a few minutes to a few days after applying.

I applied a few days ago, but I have not yet been contacted. Why not?
It's possible that we were unable to find a loan professional who could offer you the kind of loan you were looking for. Our network is large, but we cannot accommodate every loan situation. If you have not been contacted within 5 days of submitting your application, you can assume this is the case. We are sorry.

I tried to apply, but my application was rejected. Why?  
We work with a variety of mortgage professionals who offer a wide range of loans. However, we can't accommodate all loan types.  If your application was rejected, it doesn't mean you can't get a loan. It simply means that our particular loan network can't help you. You could try to re-submit your application with different loan criteria, or simply contact another loan referral service like ours.

Can I make home improvements and pay off bills all at once? 
Yes. We have mortgage loan programs that allow you to reduce your monthly bills and make your home improvements, all within the same loan. Some even allow you to get extra cash! 

Can I qualify even if I already have a second mortgage? 
Yes. You can get up to $40,000 for home improvements. You may even be able to pay off your existing mortgage and other bills as well. 

Can I get a loan if have a bankruptcy? 
Yes. If it has been several years since the discharge of debts and you have reestablished some good credit. 

I'm self-employed, is that okay? 
Yes. If your current business has been profitable for two years or more. 

I've been 30 days late on my mortgage, can I get a loan? 
Yes. If your mortgage is current now, and you were only 30 days late one time in the last year. 

Who are the checks made out to? 
For protection and control, home improvement amounts are made payable to both you and the contractor. The contractor endorses the check, you then deposit it into your bank account, and disburse money to the contractor as the work progresses. 

What is the fixed interest rate and closing costs? 
All lenders set their rates and closing costs based on several factors. Most important is your credit history. The better it is, the lower the rate. Also, because of favorable tax laws, loans that include some home improvements have lower rates than those that only payoff bills. Lastly, the more solid your job and income history are, the lower your rate will be. 

Can I use different licensed contractors? 
Yes. You can use multiple contractors for different home improvements.

My home is a condo or manufactured home, is that okay? 
Yes. You can make home improvements on owner occupied, permanently fixed foundation homes.

What documents will I need to get final approval?
Below is a list of the documents normally required to accompany a mortgage loan application. Collecting the necessary documentation in advance will save you significant time in the loan process. It is possible that you may need additional documents, depending on your situation and the type of loan for which you are applying. We will inform you if additional documents are necessary.

Required Documentation for Regular Loans

• Two most recent pay stubs 
• W-2 forms for the past two years 
• Cost of appraisal (if applicable) and credit report 
• Name, address, and all income earned from all employers for the past two years 

Additional Documentation for 2nd Mortgages & Home Equity Loans 

• Copy of your first mortgage note 
• Copy of current Property Deed 
• Copy of Homeowner's Insurance declaration page(s) 
• Copy of Homeowner's Association (if applicable) 

Additional Documentation for Refinance Loans 

• Copy of first mortgage note 
• Copy of second mortgage note (if applicable) 
• Copy of current Property Deed 
• Copy of Title Insurance Policy 
• Copy of Homeowner's Insurance declaration page(s) 

Special Circumstances 

If you are self-employed or paid by commission: 

• Previous two years' Federal Income Tax returns with all schedules and a year-to-date profit and loss statement 

If you have filed bankruptcy in the last seven years: 

• Copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent credit since the bankruptcy 

If you will be using Child Support/Alimony income to qualify: 

• Copies of court records and deposit receipts showing child support/alimony. 

If you will be using income from a Trust Fund to qualify: 

• Previous two years' Federal Income Tax Returns with all schedules and a copy of the complete trust agreement 
• Current Profit and Loss (Year To Date) 
• Three months bank statements for all accounts 
• Executed copy of contract for purchase 
• Copy of deposit checks and source of funds 

Required Documentation for Special Programs

VA Loans (Veteran's Administration Loans)

• DD-214, Certificate of Eligibility or Commanding Officer's declaration of current activity if currently active 

If you own other properties: 

• Address of properties and current market value 
• Any debt owed on properties, Lender's name, address, account number, monthly payment, and current balance 
• Copy of previous two years' Federal Income Tax Returns with all schedules 
• If currently renting, a copy of the current rental/lease agreement 

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