www.optihomerate.com
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Submitted URL: http://optihomerate.com/ejcs1z
Effective URL: https://www.optihomerate.com/Default110.aspx?ImgVersion=V18&css=newdes/Content/v1&ShowMortgageQuote=Y&hideBack=y&SubID=Tandem...
Submission: On January 20 via manual from US — Scanned from FR
Effective URL: https://www.optihomerate.com/Default110.aspx?ImgVersion=V18&css=newdes/Content/v1&ShowMortgageQuote=Y&hideBack=y&SubID=Tandem...
Submission: On January 20 via manual from US — Scanned from FR
Form analysis 1 forms found in the DOM
POST ./Default110.aspx?ImgVersion=V18&css=newdes%2fContent%2fv1&ShowMortgageQuote=Y&hideBack=y&SubID=Tandem&confirmation=8609128032&SourceID=2&ShowSubmit=1&utm_source=SMS_110_149&utm_medium=19365&utm_campaign=EST-13&utm_content=1760&utm_term=2023-01-19&RecordID=125670277&DialerListID=19365&FName=Brenna&Address=105+Herman+St&shortUrl=ejcs1z
<form method="post"
action="./Default110.aspx?ImgVersion=V18&css=newdes%2fContent%2fv1&ShowMortgageQuote=Y&hideBack=y&SubID=Tandem&confirmation=8609128032&SourceID=2&ShowSubmit=1&utm_source=SMS_110_149&utm_medium=19365&utm_campaign=EST-13&utm_content=1760&utm_term=2023-01-19&RecordID=125670277&DialerListID=19365&FName=Brenna&Address=105+Herman+St&shortUrl=ejcs1z"
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<input ng-model="lead.LDCR" name="confirmation" id="confirmation" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<input name="LeadID" id="LeadID" type="hidden">
<input ng-model="lead.SR_TOKEN" id="" type="hidden" name="SR_TOKEN" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="1167423000615618951">
<input ng-model="lead.LeadIDTocken" id="leadid_token" type="hidden" name="universal_leadid" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="1EDE6861-452B-0AD2-1F27-6C1F8790EE96">
<input ng-model="lead.SourceID" id="SourceID" name="SourceID" type="hidden" value="" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<input ng-model="lead.DataSource" id="DataSource" name="DataSource" type="hidden" value="" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<md-progress-linear md-mode="indeterminate" class="md-warn fix-bar" value="6.25" aria-valuemin="0" aria-valuemax="100" role="progressbar" aria-valuenow="6.25">
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<div class="md-dashed"></div>
<div class="md-bar md-bar1"></div>
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<span class="brand">
<div class="rate-text-container">
<a href="https://ratetext.com" target="_blank">
<img src="ContentImages/ratetext.png">
</a>
</div>
<i class="fa-solid fa-home-heart"></i>Mortgage Reset
</span>
<div class="questionnaire">
<div class="question" ng-show="currentTab==1" aria-hidden="false">
<span class="name">See Potential Refinance<br>Savings For:</span>
<div class="selection">
<span id="home-image">
<!-- ngIf: googleStreetViewSrc --><img ng-if="googleStreetViewSrc" width="520" height="180"
ng-src="https://maps.googleapis.com/maps/api/streetview?size=520x180&location=105%20HERMAN ST%20HACKENSACK%20NJ%207601&key=AIzaSyCp0-7a50jNl_qY0wMsTXgvtAoU6kt3wVY" class="ng-scope"
src="https://maps.googleapis.com/maps/api/streetview?size=520x180&location=105%20HERMAN ST%20HACKENSACK%20NJ%207601&key=AIzaSyCp0-7a50jNl_qY0wMsTXgvtAoU6kt3wVY"><!-- end ngIf: googleStreetViewSrc -->
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<input type="text" id="autocomplete" ng-model="lead.Address" class="ng-pristine ng-untouched ng-valid pac-target-input" tabindex="0" aria-invalid="false" placeholder="Indiquez un lieu" autocomplete="off">
</div>
<span class="description">Takes About 60 Seconds!</span>
</div>
<div class="question ng-hide" ng-show="currentTab==2" aria-hidden="true">
<span class="name">Property Type</span>
<div class="options">
<input type="radio" ng-click="changePropertyType('Single Family');" id="singlefamily" value="Single Family" name="propertytype" tabindex="0">
<label class="box" for="singlefamily">
<i class="fa-solid fa-house-user"></i> Single Family </label>
<input type="radio" ng-click="changePropertyType('MultiFamily');" id="multifamily" value="MultiFamily" name="propertytype" tabindex="0">
<label class="box" for="multifamily">
<i class="fa-solid fa-home"></i> MultiFamily </label>
<input type="radio" ng-click="changePropertyType('Condominium');" id="condominium" value="Condominium" name="propertytype" tabindex="0">
<label class="box" for="condominium">
<i class="fa-solid fa-building"></i> Condominium </label>
<input type="radio" ng-click="changePropertyType('Mobile Home');" id="mobilehome" value="Manufactured or Mobile Home" name="propertytype" tabindex="0">
<label class="box" for="mobilehome">
<i class="fa-solid fa-caravan"></i> Mobile Home </label>
<input id="propertytype" ng-model="lead.PropertyType" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="Single Family">
</div>
<span class="description">Select the property type of your home.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==3" aria-hidden="true">
<span class="name">Property Value</span>
<div class="selection">
<span class="value"><span id="propertyvalue" class="ng-binding">$465,000 - $485,000</span></span>
<input type="range" ng-model="lead.EstimatedHomeValue" ng-change="updateCashOut();" id="propertyslider" class="slider ng-pristine ng-untouched ng-valid" min="50000" max="1000000" step="20000" aria-valuemin="50000" aria-valuemax="1000000"
tabindex="0" aria-invalid="false" aria-valuenow="475000">
</div>
<span class="description">Just an estimate is fine.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==4" aria-hidden="true">
<span class="name">Current Balance</span>
<div class="selection">
<span class="value"><span id="balancevalue" class="ng-binding">$125,000</span></span>
<input type="range" id="balanceslider" ng-change="updateCashOut();" ng-model="lead.LoanAmount" class="slider ng-pristine ng-untouched ng-valid" min="0" max="475000" step="5000" aria-valuemin="0" aria-valuemax="1000000" tabindex="0"
aria-invalid="false" aria-valuenow="125000">
</div>
<span class="description">Just an estimate is fine.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==5" aria-hidden="true">
<span class="name">Borrow Additional Cash</span>
<div class="selection">
<span class="value"><span id="borrowvalue" class="ng-binding">$293,000</span></span>
<input type="range" id="borrowslider" ng-model="lead.CashOut" class="slider ng-pristine ng-untouched ng-valid" min="0" max="293000" step="5000" aria-valuemin="0" tabindex="0" aria-invalid="false" aria-valuenow="293000">
</div>
<span class="description">Home improvement, debt consolidation etc.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==6" aria-hidden="true">
<span class="name">Current Interest Rate </span>
<div class="selection">
<span class="value"><span id="interestvalue" class="ng-binding">7.00</span> %</span>
<input type="range" id="interestslider" ng-model="lead.InterestRateLoan1" class="slider ng-pristine ng-untouched ng-valid" min="2" max="12" step="0.25" aria-valuemin="2" aria-valuemax="12" tabindex="0" aria-invalid="false" aria-valuenow="7">
</div>
<span class="description">Just an estimate is fine.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==7" aria-hidden="true">
<span class="name">Credit Score</span>
<div class="options">
<input type="radio" id="excellent" value="EXCELLENT" ng-click="changeCreditRating('EXCELLENT')" name="creditscore" tabindex="0">
<label class="box" for="excellent" ng-click="changeCreditRating('EXCELLENT')" role="button" tabindex="0">
<i class="fa-regular fa-grin-stars"></i> Excellent (680+) </label>
<input type="radio" id="good" value="GOOD" name="creditscore" ng-click="changeCreditRating('GOOD')" tabindex="0">
<label class="box" for="good" ng-click="changeCreditRating('GOOD')" role="button" tabindex="0">
<i class="fa-regular fa-smile"></i> Good (600-679) </label>
<input type="radio" id="fair" value="FAIR" name="creditscore" ng-click="changeCreditRating('FAIR')" tabindex="0">
<label class="box" for="fair" ng-click="changeCreditRating('FAIR')" role="button" tabindex="0">
<i class="fa-regular fa-meh"></i> Fair (580-639) </label>
<input type="radio" id="poor" value="POOR" name="creditscore" ng-click="changeCreditRating('POOR')" tabindex="0">
<label class="box" for="poor" ng-click="changeCreditRating('POOR')" role="button" tabindex="0">
<i class="fa-regular fa-frown"></i> Poor (< 579) </label>
<input id="creditscore" ng-model="lead.CreditRating" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="GOOD">
</div>
<span class="description">Select yout credit score range.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==8" aria-hidden="true">
<span class="name">Military Service?</span>
<div class="options">
<input type="radio" id="militaryyes" ng-click="ChangeVAStatus(true);" value="true" name="military" tabindex="0">
<label class="box" for="militaryyes" ng-click="ChangeVAStatus(true);" role="button" tabindex="0">
<i class="fa-regular fa-flag-usa"></i> Yes </label>
<input type="radio" id="militaryno" ng-click="ChangeVAStatus(false);" value="false" name="military" tabindex="0">
<label class="box" for="militaryno" ng-click="ChangeVAStatus(false);" role="button" tabindex="0">
<i class="fa-solid fa-times"></i> No </label>
<input id="military" ng-model="lead.VAStatus" value="false" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<span class="description">Have you or your spouse served in the US Military?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==9" aria-hidden="true">
<span class="name">Late Payments?</span>
<div class="options">
<input type="radio" id="latepaymentsyes" ng-click="ChangeCurrentOnPayment(false)" value="false" name="latepayments" tabindex="0">
<label class="box" for="latepaymentsyes" ng-click="ChangeCurrentOnPayment(false)" role="button" tabindex="0">
<i class="fa-solid fa-check"></i> Yes </label>
<input type="radio" id="latepaymentsno" ng-click="ChangeCurrentOnPayment(true)" value="true" name="latepayments" tabindex="0">
<label class="box" for="latepaymentsno" ng-click="ChangeCurrentOnPayment(true)" role="button" tabindex="0">
<i class="fa-solid fa-times"></i> No </label>
<input id="latepayments" ng-click="lead.CurrentOnPayment" value="true" type="hidden" tabindex="0">
</div>
<span class="description">Late payments in the past year?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==10" aria-hidden="true">
<span class="name">Mortgage Quote?</span>
<div class="options">
<input type="radio" id="mortgagequoterefinance" ng-click="ChangeMortgageQuote('Refinance')" value="Refinance" name="mortgagequote" tabindex="0">
<label class="box" for="mortgagequoterefinance" ng-click="ChangeMortgageQuote('Refinance')" role="button" tabindex="0">
<i class="fa-solid fa-house-day"></i> Refinance </label>
<input type="radio" id="mortgagequotepurchase" ng-click="ChangeMortgageQuote('Purchase')" value="Purchase" name="mortgagequote" tabindex="0">
<label class="box" for="mortgagequotepurchase" ng-click="ChangeMortgageQuote('Purchase')" role="button" tabindex="0">
<i class="fa-solid fa-home-heart"></i> Purchase </label>
<input id="mortgagequote" ng-click="lead.MortgageQuote" value="Refinance" type="hidden" tabindex="0">
</div>
<span class="description">What type of mortgage quote are you interested in?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==11" id="final" aria-hidden="true">
<span class="name"></span>
<div class="selection">
<div class="field" style="margin:0 0 10px 0">
<input type="text" ng-model="lead.FName" placeholder=" First Name" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<input type="text" ng-model="lead.LName" placeholder=" Last Name" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<div class="field" style="margin:0 0 10px 0">
<input type="text" ng-model="lead.Email" placeholder=" Email" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<div class="field" style="margin:0 0 10px 0">
<input type="number" ng-model="lead.Phone" ng-change="validPhone();" placeholder=" Phone Number" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
</div>
<span class="description">Fill out the form to check your custom rates.</span>
<div class="disclaimer">
<span class="conditions">
<input type="hidden" id="leadid_tcpa_disclosure" autocomplete="off">
<div id="srDisclosure" style="font-size: 10x !important; text-align: justify; color: #131313;"><input type="hidden" id="leadid_tcpa_disclosure"><label for="leadid_tcpa_disclosure">By clicking the button above, you acknowledge, consent and
agree to the following: a) Our <a href="http://www.securerights.org/privacy.html" target="_blank">Privacy Policy</a> and consent to receive notices and other
<a href="http://www.securerights.org/electroniccommunications.html" target="_blank">communications electronically</a>; b) We take your privacy seriously. You are providing express written consent for SecureRights to share your
information with up to four (4) of its <a href="http://www.securerights.org/networkmembers.html" target="_blank">Premier Partners</a> and for SecureRights, parties calling on behalf of Secure Rights, Premier Partners or authorized third
parties on their behalf to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) about financial services or other credit related offers via telephone, mobile device (including SMS and MMS)
and/or email, even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call list; c) Consent to be contacted is not required in order to purchase goods or services from SecureRights or the
Premier Partners that contact you. You may choose to speak with an individual service provider by dialing (888) 883-2062; and d) That I have received and reviewed the
<a href="http://securerights.org/licenses.html" target="_blank">Mortgage Broker Disclosures</a> for my state; and e) You are providing written consent under the Fair Credit Reporting Act for SecureRights to obtain information from your
personal credit profile. You authorize SecureRights to obtain such information solely to prequalify you for credit options and connect you with an appropriate lending partner. Secure Rights NMLS 3175.</label></div>
</span>
</div>
</div>
</div>
<div class="actions" ng-class="{'final-actions':currentTab==maxTab}">
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</form>Text Content
Mortgage Reset See Potential Refinance Savings For: Takes About 60 Seconds! Property Type Single Family MultiFamily Condominium Mobile Home Select the property type of your home. Property Value $465,000 - $485,000 Just an estimate is fine. Current Balance $125,000 Just an estimate is fine. Borrow Additional Cash $293,000 Home improvement, debt consolidation etc. Current Interest Rate 7.00 % Just an estimate is fine. Credit Score Excellent (680+) Good (600-679) Fair (580-639) Poor (< 579) Select yout credit score range. Military Service? Yes No Have you or your spouse served in the US Military? Late Payments? Yes No Late payments in the past year? Mortgage Quote? Refinance Purchase What type of mortgage quote are you interested in? Fill out the form to check your custom rates. By clicking the button above, you acknowledge, consent and agree to the following: a) Our Privacy Policy and consent to receive notices and other communications electronically; b) We take your privacy seriously. You are providing express written consent for SecureRights to share your information with up to four (4) of its Premier Partners and for SecureRights, parties calling on behalf of Secure Rights, Premier Partners or authorized third parties on their behalf to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) about financial services or other credit related offers via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call list; c) Consent to be contacted is not required in order to purchase goods or services from SecureRights or the Premier Partners that contact you. You may choose to speak with an individual service provider by dialing (888) 883-2062; and d) That I have received and reviewed the Mortgage Broker Disclosures for my state; and e) You are providing written consent under the Fair Credit Reporting Act for SecureRights to obtain information from your personal credit profile. You authorize SecureRights to obtain such information solely to prequalify you for credit options and connect you with an appropriate lending partner. Secure Rights NMLS 3175. Next scroll down to learn more What are VA Loans? VA Loans are offered through private lenders, mortgage companies or banks. Through this program, the Department of Veterans Affairs works to support the needs of servicemembers, veterans, and qualifying surviving spouses and helps them purchase affordable mortgage loans. VA Loan candidates are evaluated based on length of service, duty status, and character of service. The following VA Loan Sub-categories are available for consideration – each with differing benefits and options depending on each borrower’s unique needs and circumstances: - Adapted Housing Grants: These loans assist Veterans with a permanent and total service-connected disability purchase or with the construction of an adapted home or to alter an existing home to accommodate the disability. - Native American Direct (NADL) Program: Eligible Native American Veterans finance the acquisition, building, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan. - Interest Rate Reduction Refinance Loan (IRRRL): This type of loan allows borrowers to receive a lower interest rate by refinancing an existing VA loan. - Purchase Loans: The benefits of this type of loan is that you can get a competitive interest rate usually without the need of a down payment or private mortgage insurance. - Cash-Out Refinance: These loans permit the borrower to remove cash from home equity to use towards paying for school, eliminating personal debt or investing in home improvements. VA Loans have many of the same steps as traditional loans. You start with looking for a VA lender and going through the steps for prequalification. This step helps borrowers learn an approximation of what they can afford by examining income, credit, assets, veteran entitlement, and financial indicators. Following prequalification comes a loan preapproval and the much-sought-after preapproval letter. Preapproval letters validate your borrowing power to real estate agents and other sellers. When it comes time to make an offer on a home, find an agent who is familiar with VA loans. This will help during the negotiation and contract process. The next step in the home purchasing process is called being “under contract.” During this state of home purchasing, the lender will ask for a VA appraisal of the property you wish to buy. A VA appraisal differs from a home inspection in that this VA appraisal ascertains if the property meets “fair market value and the VA minimum property requirements.” Simultaneously to the VA appraisal, underwriters will examine your income, financial statements, and appraisal to sign-off on moving your loan to closing. An official home closing will require your signature on numerous legal documents before you are officially handed the keys to your new home. - VA Entitlements can be used for multiple home purchases. You just have to pay off your loan before you reapply for a new loan. - VA loans are for primary residences only. - The VA’s loan backing means borrowers don’t have to purchase mortgage insurance. However, there is a VA funding fee. - There is no prepayment penalty.