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. 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.