Any advertised rates are subject to change daily due to market conditions as well as individual qualifications including credit scores, income, debt to income ratios and other normal credit requirements. Best available rates require escrow, for your taxes and insurance, to be included into the loan/payments. Rates in examples were calculated using a pricing scenario for the Loan to value of 69% of your home’s value, a $200K loan amount, and a minimum of 760 middle of three qualifying credit scores. (other rates available with scores down to 620) Best rates require 2.5% discount points, (discount points are optional on most products including some loans with higher rates/low or even no discount points depending upon higher credit scores). Although closing costs can be paid out of pocket if you request, they are typically financed into the new loan payment as quoted by your licensed mortgage loan officer and disclosed on your loan estimate. Home value estimation cannot be guaranteed since it is based on similar home sales, but since iDirect does not charge for appraisal costs up front, (the appraisal fee is financed into the loan if the appraisal is sufficient) there may be no financial risk for you to explore a possible loan. iDirect Home Loans is not authorized by, acting on behalf of, or otherwise affiliated with your existing mortgage holder. No information was provided to iDirect Home Loans by your mortgage holder. For more disclaimers, please contact one of our licensed mortgage originators for an estimate in writing or call toll free 1-877-737-1213.
**PRESCREEN & OPT-OUT NOTICE: This "prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). If you do not want to receive prescreened offers of credit from this or any other companies, call 1-888-567-8688 or visit the website www.optoutprescreen.com; or write
Equifax Options, P.O. Box 740123 Atlanta, GA 30374-0123
Experian Consumer OPT-OUT, P.O. Box 919, Allen, TX 75013,
Trans Union Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505