Get a better rate and term
Select this option to refinance your outstanding primary mortgage balance and, if you choose, your closing costs.
Pay off 2nd mortgage(s)
Select this option to refinance your outstanding primary mortgage balance, closing costs (optional), and pay off or pay down 2nd mortgages (including home equity lines of credit). The interest rate on this loan may change based
on the age of the 2nd mortgage. Equity lines of credit may need to be closed once paid.
Finance home improvements
Select this option to refinance your outstanding primary mortgage balance, closing costs (optional), and major home projects or renovations in progress or completed in the last 12 months.
Pay off other non-mortgage debt
Select this option to refinance your outstanding primary mortgage balance and closing costs (optional), and to get cash out to pay off consumer debt such as credit cards, installment loans, or personal debt.
Finance an equity buyout
Select this option to refinance your outstanding primary mortgage balance and closing costs (optional), and to get cash to buy out equity from a spouse, heir, or domestic partner.
Refinance for other purpose
Select this option to refinance your outstanding primary mortgage balance and closing costs (optional), and to get cash needed for any other purpose not described above.
How long have you been at your current address?
A complete credit history depends on your providing accurate address information. If you've been at your current address for less than two years, you'll be asked to provide previous address information.
If you have had a bankruptcy, how long ago did it occur?
A past bankruptcy won't necessarily keep you from getting a loan, but you may need to prove you have satisfied the terms of the bankruptcy and reestablished acceptable credit history.
If you have had a foreclosure, how long ago did it occur?
A foreclosure won't necessarily keep you from qualifying for a loan, but you'll need to prove you've reestablished acceptable credit history for an appropriate period of time.
What is your marital status?
In some states, your marital status can determine whether you might be legally responsible for someone else's debts.
Citizenship
Select "U.S. citizen" if you were born in the U.S. or have been naturalized as a U.S. citizen. Select "resident alien" if you are lawfully permitted to live in the U.S. (as either a permanent or nonpermanent resident). Select "nonresident alien" if you do not reside in the U.S.
How long have you worked for your current employer?
Indicate how long you've worked for your employer or how long you've been self-employed, not employed, or retired.
Do you own 25% or more of any business, even if it is not your primary job?
Please tell us if you own a 25% or greater interest in a business.
Do you intend to occupy the property
you are refinancing?
If the property is not your primary residence, you'll need to provide additional information regarding your current housing expenses. If you are refinancing investment property, you'll also need to provide rental income information.
Have you owned a home in the last three years?
Answer "yes" if you've owned your current home or another home for at least 12 months in the last three years.
