www.ltpsteel.com Open in urlscan Pro
52.143.137.150  Public Scan

Submitted URL: http://ltpsteel.com/bzr9fb
Effective URL: https://www.ltpsteel.com/Default?ImgVersion=V11&css=v1&SubID=HMASegmentP6P7&confirmation=6092841774&SourceID=2&ShowSubmit...
Submission: On February 03 via manual from US — Scanned from FR

Form analysis 2 forms found in the DOM

POST ./Default?ImgVersion=V11&css=v1&SubID=HMASegmentP6P7&confirmation=6092841774&SourceID=2&ShowSubmit=1&utm_source=SMS_52_91&utm_medium=18485&utm_campaign=EST-12&utm_content=1215&utm_term=2022-02-03&RecordID=57076181&DialerListID=18485&FName=Dilcia&Address=17+Wickham+Ln&shortUrl=bzr9fb

<form method="post"
  action="./Default?ImgVersion=V11&amp;css=v1&amp;SubID=HMASegmentP6P7&amp;confirmation=6092841774&amp;SourceID=2&amp;ShowSubmit=1&amp;utm_source=SMS_52_91&amp;utm_medium=18485&amp;utm_campaign=EST-12&amp;utm_content=1215&amp;utm_term=2022-02-03&amp;RecordID=57076181&amp;DialerListID=18485&amp;FName=Dilcia&amp;Address=17+Wickham+Ln&amp;shortUrl=bzr9fb"
  id="form1" class="ng-pristine ng-valid">
  <div class="aspNetHidden">
    <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE"
      value="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"
      autocomplete="off">
  </div>
  <div class="aspNetHidden">
    <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="CA0B0334" autocomplete="off">
  </div>
  <div>
  </div>
  <input type="hidden" name="xxTrustedFormToken" id="xxTrustedFormToken_0" value="https://cert.trustedform.com/2e78a38c4aaf77cb9584d402b580b0e9635dfec9"><input type="hidden" name="xxTrustedFormCertUrl" id="xxTrustedFormCertUrl_0"
    value="https://cert.trustedform.com/2e78a38c4aaf77cb9584d402b580b0e9635dfec9"><input type="hidden" name="xxTrustedFormPingUrl" id="xxTrustedFormPingUrl_0" value="undefined">
</form>

<form class="ng-valid ng-valid-maxlength ng-dirty ng-valid-parse ng-valid-step ng-valid-min ng-valid-max ng-valid-email">
  <div id="content" class="limiter form-container validate-form" style="background-image: none;">
    <!-- ngIf: paramDeveloper == true -->
    <div class="container-hma100">
      <div class="wrap-hma100 p-t-15 p-b-20">
        <!-- <form class="hma100-form validate-form" id="regForm">-->
        <input ng-model="lead.LDCR" name="confirmation" id="confirmation" type="hidden" autocomplete="off" class="ng-pristine ng-untouched ng-valid ng-empty" value="6092841774">
        <input name="LeadID" id="LeadID" type="hidden" autocomplete="off">
        <input ng-model="lead.SR_TOKEN" id="" type="hidden" name="SR_TOKEN" autocomplete="off" class="ng-pristine ng-untouched ng-valid ng-empty" value="1164391181177018951">
        <input ng-model="lead.LeadIDTocken" id="leadid_token" type="hidden" name="universal_leadid" autocomplete="off" class="ng-pristine ng-untouched ng-valid ng-empty" value="B5E76702-1252-AA93-E16D-CEAE0E949FAD">
        <input ng-model="lead.SourceID" id="SourceID" name="SourceID" type="hidden" value="2" autocomplete="off" class="ng-pristine ng-untouched ng-valid ng-not-empty">
        <input ng-model="lead.DataSource" id="DataSource" name="DataSource" type="hidden" value="" autocomplete="off" class="ng-pristine ng-untouched ng-valid ng-empty">
        <input id="ShowSubmit" name="ShowSubmit" type="hidden" value="true" autocomplete="off">
        <!--- Address --->
        <div id="set1" class="form-set" style="display: block;">
          <div id="lpintro" class="lpintro" style="font-size: 20px; line-height: 24px; padding-bottom: 10px;">
            <div style="padding-bottom: 5px">
              <!--{{intro}}--> Information Ready For
            </div>
            <div class="input-group mb-3" style="margin-bottom: 0px!important;">
              <input id="autocomplete" type="text" ng-model="lead.Address" class="input100 form-control ng-pristine ng-untouched ng-valid ng-not-empty pac-target-input" placeholder="Street Address" autocomplete="off"
                style="border: 1px dashed #e9ecef; border-right: none; box-shadow: none !important; font-size: 24px; margin: 3px 0; font-weight: 800; -webkit-appearance: none;" tabindex="-1">
              <span class="input-group-text" id="basic-addon1"
                style="background: none; border-left: none; border-top: 1px dashed #e9ecef; border-bottom: 1px dashed #e9ecef; border-right: 1px dashed #e9ecef; line-height: 1.5; height: 52px; margin: 3px 0;"><i class="fal fa-pencil" style="color: rgba(0, 0, 0, 0.3)"></i></span>
            </div>
            <br> Click Below to Access
          </div>
          <!--<div id="lpintro" class="lpintro" style="text-transform: uppercase; font-size: ">The Information for <b></b> Is Ready. Click Below to Access</div>-->
          <!-- Type of Loan -->
          <div class="form-group">
            <label style="text-align: center; width: 100%; display: none;" for="loan-type" id="loan-type-label">Type of Loan?</label>
            <input id="refined_rates" type="submit" value="Refinance Rates" ng-click="lead.TypeOfLoan='Refinance'; SendGA('TypeLoan.html', 'Click', 'HMA',1);" class="btn btn-option btn-success" tabindex="1">
            <input type="submit" value="NEW Purchase Rates" ng-click="lead.TypeOfLoan='NewPurchase'; SendGA('TypeLoan.html', 'Click', 'HMA', 1);" class="btn btn-newpurchase btn-primary2" style="width: 100%">
          </div>
          <!--<div class="form-group tactile">
                                <div class="row">
                                    <div class="radio radio-circle">
                                        <label id="refined_rates_label" for="refined_rates" ng-click="lead.TypeOfLoan='Refinance'; SendGA('PropertyValue.html', 'Click', 'HMA',5);" >
                                            <span class="label-container">
                                                <span class="label-background"></span>
                                                <span class="label-success"></span>
                                            </span>
                                            <span class="continueIcon sprites sprites-loan-type-refinance"></span>
                                            
                                            <input id="refined_rates" type="submit" value="Refinance Rates" class="radio-circle-input btn btn-option btn-success" tabindex="1">
                                            <div class="label-text">Refinance</div>
                                        </label>
                                    </div>
                                    <div class="radio radio-circle">
                                        <label id="loan-type-purchase-label" for="loan-type-purchase" ng-click="lead.TypeOfLoan='NewPurchase'; SendGA('PropertyValue.html', 'Click', 'HMA', 5);" >
                                            <span class="label-container">
                                                <span class="label-background"></span>
                                                <span class="label-success"></span>
                                            </span>
                                            <span class="continueIcon sprites sprites-loan-type-purchase"></span>
                                            
                                            <input id="loan-type-purchase" type="submit" value="NEW Purchase Rates" class="radio-circle-input btn btn-newpurchase btn-primary2" style="width:100%">
                                            <div class="label-text" >Purchase</div>
                                        </label>
                                    </div>
                                </div>
                            </div>-->
          <div style="text-align: center; font-size: 14px; padding-bottom: 28px;"><b>Takes Less Than 1 Minute!</b></div>
        </div>
        <!--- Zip --->
        <div id="set2" class="form-set" style="display: none;">
          <div id="Div2" class="lpintro">ZIP code</div>
          <div class="wrap-input100 validate-input m-t-15 m-b-3 form-group" style="text-align: center;">
            <input ng-model="lead.Zip" maxlength="5" class="input100 form-control ng-pristine ng-untouched ng-valid ng-valid-pattern ng-valid-maxlength ng-not-empty" id="zip" placeholder="Zip Code" autocomplete="postal-code">
          </div>
          <div class="helperText">Rates can vary by location.</div>
          <button type="button" class="hma100-form-btn btn btn-primary btn-continue" ng-click="SendGA('ZipCode.html', 'Click', 'HMA', 5)">Continue
            <i class="fa fa-angle-right" aria-hidden="true" style="font-size: 26px; margin-left: 14px;"></i></button>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!--- Property Value --->
        <!-- ngIf: loaded -->
        <div ng-if="loaded" id="set3" class="form-set ng-scope" style="display: none;" data-ng-init="minR = getPropertyRange('min'); maxR = getPropertyRange('max');">
          <div class="form-group range-group" style="">
            <div id="Div4" class="lpintro">Property Value</div>
            <output class="ng-binding">$280,000 - $300,000 </output>
            <!--<input type="range" ng-model="lead.EstimatedHomeValue" min="60000" max="1000000" step="10000" value="">-->
            <!--<span class="min-range">$60,000</span> <span class="max-range">$1,000,000+</span> </div>-->
            <!--<input id="rangeSet1" type="range" ng-model="lead.EstimatedHomeValue" min="{{minR}}" max="{{maxR}}" step="10000" value="">-->
            <input id="rangeSet1" type="range" ng-model="lead.EstimatedHomeValue" class="ng-untouched ng-valid ng-not-empty ng-dirty ng-valid-parse" min="60000" max="1000000" step="10000"
              style="position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0;">
            <div class="rangeSlider" id="js-rangeSlider-1" style="">
              <div class="rangeSlider__handle" style="left: 185.957px;"></div>
              <div class="rangeSlider__fill" style="width: 205.957px;"></div>
              <div class="rangeSlider__buffer"></div>
            </div>
            <!--<span class="min-range">${{ minR | number:0 }}</span> <span class="max-range">${{ maxR | number:0  }}+</span>-->
            <span class="min-range ng-binding">$60,000</span> <span class="max-range ng-binding">$1,000,000+</span>
          </div>
          <div class="helperText">(It's okay to estimate)</div>
          <button type="button" class="hma100-form-btn btn btn-primary btn-continue" ng-click="SendGA('EstimatedHomeValue.html', 'Click', 'HMA', 3)">Continue
            <i class="fa fa-angle-right" aria-hidden="true" style="font-size: 26px; margin-left: 14px;"></i></button>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div><!-- end ngIf: loaded -->
        <!-- Current Balance -->
        <div id="set4" class="form-set" style="display: none;">
          <div class="form-group range-group" style="">
            <div id="Div5" class="lpintro">Current balance</div>
            <output class="ng-binding">$210,000</output>
            <!--<input type="range" ng-model="lead.LoanAmount" min="0" max="1000000" step="10000" value="" hasrange="false" value="">
								<span class="min-range">$0</span> <span class="max-range">$1,000,000</span> </div>-->
            <input id="rangeSet2" type="range" ng-model="lead.LoanAmount" hasrange="false" class="ng-untouched ng-valid ng-not-empty ng-dirty ng-valid-parse" min="0" max="290000" step="5000"
              style="position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0;">
            <div class="rangeSlider" id="js-rangeSlider-2" style="">
              <div class="rangeSlider__handle" style="left: 550.345px;"></div>
              <div class="rangeSlider__fill" style="width: 570.345px;"></div>
              <div class="rangeSlider__buffer"></div>
            </div>
            <span class="min-range">$0</span> <span class="max-range ng-binding">$290,000</span>
          </div>
          <div class="helperText">(It's okay to estimate)</div>
          <button type="button" class="hma100-form-btn btn btn-primary btn-continue" ng-click="SendGA('LoanAmount.html', 'Click', 'HMA', 4)">Continue
            <i class="fa fa-angle-right" aria-hidden="true" style="font-size: 26px; margin-left: 14px;"></i></button>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- additional cash -->
        <div id="set5" class="form-set" style="display: none;">
          <div class="form-group range-group" style="">
            <div id="Div6" class="lpintro">Would you like to borrow additional cash?</div>
            <output class="ng-binding">$5,000</output>
            <!--<input type="range" ng-model="lead.CashOut" min="0" max="200000" step="1000" value="{{lead.CashOut}}" hasrange="false" style="margin: 25px 0px 40px; position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0;" class="ng-untouched ng-valid ng-not-empty ng-dirty ng-valid-parse ng-valid-min ng-valid-max ng-valid-step">
								<span class="min-range">$0</span> <span class="max-range">$200,000</span> </div>-->
            <input id="rangeSet3" type="range" ng-model="lead.CashOut" step="5000" value="5000" hasrange="false" style="margin: 25px 0px 40px; position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0;"
              class="ng-untouched ng-valid ng-not-empty ng-dirty ng-valid-parse ng-valid-min ng-valid-max ng-valid-step" min="0" max="80000">
            <div class="rangeSlider" id="js-rangeSlider-3" style="">
              <div class="rangeSlider__handle" style="left: 47.5px;"></div>
              <div class="rangeSlider__fill" style="width: 67.5px;"></div>
              <div class="rangeSlider__buffer"></div>
            </div>
            <span class="min-range">$0</span> <span class="max-range ng-binding">$80,000</span>
          </div>
          <div class="container-hma100-form-btn" style="margin-top: 20px;">
            <button type="button" class="btn btn-primary btn-continue hma100-form-btn" ng-click="SendGA('CashOut.html', 'Click', 'HMA', 5)">Continue
              <i class="fa fa-angle-right" aria-hidden="true" style="font-size: 26px; margin-left: 14px;"></i></button>
          </div>
          <p style="text-align: center; padding-top: 5px;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Interest Rate -->
        <div id="set6" class="form-set" style="display: none;">
          <div class="form-group range-group" style="">
            <div id="Div7" class="lpintro">What is your current interest rate?</div>
            <output class="ng-binding">3.50%</output>
            <input id="rangeSet4" type="range" ng-model="lead.InterestRateLoan1" min="0" max="12" step="0.25" isdecimal="true" hasrange="false" style="margin: 25px 0px 40px; position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0;"
              class="ng-untouched ng-valid ng-not-empty ng-dirty ng-valid-parse ng-valid-min ng-valid-max ng-valid-step">
            <div class="rangeSlider" id="js-rangeSlider-0" style="">
              <div class="rangeSlider__handle" style="left: 380px;"></div>
              <div class="rangeSlider__fill" style="width: 400px;"></div>
              <div class="rangeSlider__buffer"></div>
            </div>
            <span class="min-range">2%</span> <span class="max-range">12%</span>
          </div>
          <div class="helperText">(It's okay to estimate)</div>
          <div class="container-hma100-form-btn" style="margin-top: 20px;">
            <button type="button" class="btn btn-primary btn-continue hma100-form-btn" ng-click="SendGA('InterestRateLoan1.html', 'Click', 'HMA', 6)">Continue
              <i class="fa fa-angle-right" aria-hidden="true" style="font-size: 26px; margin-left: 14px;"></i></button>
          </div>
          <p style="text-align: center; padding-top: 5px;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Rate of Type -->
        <div id="set7" class="form-set" style="display: none;">
          <div class="wrap-input100 validate-input m-t-15 m-b-3 form-group">
            <div id="Div8" class="lpintro">What type of rate do you have?</div>
            <input type="button" value="Fixed" ng-click="lead.LoanType='Fixed'; SendGA('RateType.html', 'Click', 'HMA', 7);" class="btn  btn-option  btn-success">
            <input type="button" value="Variable" ng-click="lead.LoanType='Adjustable'; SendGA('RateType.html', 'Click', 'HMA', 7);" class="btn btn-option  btn-primary2">
          </div>
          <p style="text-align: center; padding-top: 15px;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Current Loan Term -->
        <div id="set8" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div9" class="lpintro">What is your current loan term?</div>
            <input type="button" value="30 Years" ng-click="lead.LoanTerm=30; SendGA('LoanTerm.html', 'Click', 'HMA', 8);" class="btn btn-option btn-success">
            <input type="button" value="20 Years" ng-click="lead.LoanTerm=20; SendGA('LoanTerm.html', 'Click', 'HMA', 8);" class="btn btn-primary2 btn-option">
            <input type="button" value="15 Years" ng-click="lead.LoanTerm=15; SendGA('LoanTerm.html', 'Click', 'HMA', 8);" class="btn btn-primary2 btn-option">
            <input type="button" value="10 Years" ng-click="lead.LoanTerm=10; SendGA('LoanTerm.html', 'Click', 'HMA', 8);" class="btn btn-primary2 btn-option">
            <input type="button" value="7 Years" ng-click="lead.LoanTerm=7; SendGA('LoanTerm.html', 'Click', 'HMA', 8);" class="btn btn-primary2 btn-option">
            <input type="button" value="5 Years" ng-click="lead.LoanTerm=5; SendGA('LoanTerm.html', 'Click', 'HMA', 8);" class="btn btn-primary2 btn-option">
          </div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Credit Score -->
        <div id="set9" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div10" class="lpintro">Estimate your credit score</div>
            <input type="button" value="Excellent (680+)" ng-click="lead.CreditRating='EXCELLENT'; SendGA('CreditRating.html', 'Click', 'HMA', 9);" class="btn btn-primary2 btn-option">
            <input type="button" value="Good (600-679)" ng-click="lead.CreditRating='GOOD'; SendGA('CreditRating.html', 'Click', 'HMA', 9);" class="btn btn-option btn-success">
            <input type="button" value="Fair (580-639)" ng-click="lead.CreditRating='FAIR'; SendGA('CreditRating.html', 'Click', 'HMA', 9);" class="btn btn-primary2 btn-option">
            <input type="button" value="Poor (< 579)" ng-click="lead.CreditRating='POOR'; SendGA('CreditRating.html', 'Click', 'HMA', 9);" class="btn btn-primary2 btn-option">
          </div>
          <div class="helperText">(It's okay to estimate)</div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Type of loan -->
        <div id="set10" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div11" class="lpintro">What type of loan would you like?</div>
            <input type="button" value="Conventional" ng-click="lead.CurrentLoanType='CONVENTIONAL'; SendGA('CurrentLoanType.html', 'Click', 'HMA', 10);" class="btn btn-option btn-success">
            <input type="button" value="VA" ng-click="lead.CurrentLoanType='VA'; SendGA('CurrentLoanType.html', 'Click', 'HMA', 10);" class="btn btn-primary2 btn-option">
            <input type="button" value="FHA" ng-click="lead.CurrentLoanType='FHA'; SendGA('CurrentLoanType.html', 'Click', 'HMA', 10);" class="btn btn-primary2 btn-option">
          </div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Property Type -->
        <div id="set11" class="form-set" style="display: none;">
          <div id="Div1" class="lpintro">Property type</div>
          <div class="form-group">
            <input type="button" value="Single Family Home" ng-click="lead.PropertyType='Single Family'; SendGA('PropertyType.html', 'Click', 'HMA', 11);" class="btn    btn-option btn-success">
            <input type="button" value="Multi Family Home" ng-click="lead.PropertyType='MultiFamily'; SendGA('PropertyType.html', 'Click', 'HMA', 11);" class="btn   btn-primary2 btn-option">
            <input type="button" value="Condominium" ng-click="lead.PropertyType='Condominium'; SendGA('PropertyType.html', 'Click', 'HMA', 11);" class="btn   btn-primary2 btn-option">
            <input type="button" value="Manufactured or Mobile Home" ng-click="lead.PropertyType='Mobile Home'; SendGA('PropertyType.html', 'Click', 'HMA', 11);" class="btn    btn-primary2 btn-option">
          </div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!--spouse served in the military-->
        <div id="set12" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div12" class="lpintro">Have you or your spouse served in the military?</div>
            <input type="button" value="Yes" ng-click="lead.VAStatus=true; SendGA('Military.html', 'Click', 'HMA', 12);" class="btn btn-primary2 btn-option">
            <input type="button" value="No" ng-click="lead.VAStatus=false; SendGA('Military.html', 'Click', 'HMA', 12);" class="btn btn-option btn-success">
          </div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- bankruptcy -->
        <div id="set13" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div13" class="lpintro">Have you had a bankruptcy or foreclosure in the last 3 years?</div>
            <input type="submit" value="No" ng-click="lead.BankrInPastThreeYears=false; SendGA('Bankruptcy.html', 'Click', 'HMA', 13);" class="btn btn-option btn-success">
            <input type="submit" value="Bankruptcy / Foreclosure" ng-click="lead.BankrInPastThreeYears=true; SendGA('Bankruptcy.html', 'Click', 'HMA',13);" class="btn btn-option btn-primary2">
          </div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Late payments -->
        <div id="set14" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div14" class="lpintro">Late payments in the past year?</div>
            <input type="submit" value="None" ng-click="lead.CurrentOnPayment=true; SendGA('CurrentOnPayment.html', 'Click', 'HMA', 14);" class="btn btn-option btn-success" style="margin-bottom: 15px;">
            <input type="submit" value="Yes, there have been late payments" ng-click="lead.CurrentOnPayment=false; SendGA('CurrentOnPayment.html', 'Click', 'HMA',14);" class="btn btn-option btn-primary2">
          </div>
          <p style="text-align: center;"><a href="#" class="prev-link">Previous</a></p>
        </div>
        <!-- Verify you Income -->
        <div id="set15" class="form-set" style="display: none;">
          <div class="form-group">
            <div id="Div15" class="lpintro">Can you verify your income?</div>
            <input type="submit" value="Yes" ng-click="lead.IncomeVerifiable=true; SendGA('VerifyIncome.html', 'Click', 'HMA',15);" class="btn btn-option btn-success">
            <input type="submit" value="No" ng-click="lead.IncomeVerifiable=false; SendGA('VerifyIncome.html', 'Click', 'HMA', 15);" class="btn btn-option btn-primary2">
          </div>
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        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;text-align:justify;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;Arial&quot;,sans-serif;color:#0D0D0D;background:white;"><strong> Know your lending options. </strong></span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;text-align:justify;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;Arial&quot;,sans-serif;color:#0D0D0D;background:white;">&nbsp;</span></p>
        <p style="font-size: 16px; font-family: Calibri, sans-serif; margin: 0cm 0cm 0.0001pt; text-align: center;" class="ng-scope"><img ng-src="images/ContentImages/image2.jpg" style="width: 290px;" src="images/ContentImages/image2.jpg"></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;Arial&quot;,sans-serif;color:#0D0D0D;background:white;">Choosing between a 15-year mortgage or a 30-year mortgage requires a diligent review of the pros and cons of each and how they relate your
            individual goals/needs. &nbsp;Taking the time to research this before seeking a loan package can help ensure that you plan mortgage repayment in a way that will most benefit your future financial health. &nbsp;</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;" class="ng-scope">&nbsp;</p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">If you are able to qualify for a 15-year mortgage, one of the major benefits is that you can get your debt eliminated
            more quickly with a shorter loan term. Not only that, you will save more money because borrowers can secure a lower interest rate with a shorter-term loan. &nbsp;</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">By being able to pay down the principal balance more quickly, and should you need to refinance, you will have a lower
            loan-to-value ratio which will make that process easier for you.&nbsp;</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;" class="ng-scope">&nbsp;</p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">One of the chief benefits of homeownership is the equity you build. &nbsp;This equity becomes a major asset that can then
            be used for a variety of situations and needs. When you sell the home the value you sell it for becomes cash in your pocket. Equity is a home is also something you can borrow against with a home equity loan or a home equity line of
            credit. Often, homeowners will roll their equity into their next home purchase, using it as a down payment so that they can enjoy lower mortgage payments and interest. &nbsp;</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">15-year mortgage terms require higher payments each month, yes, but that means that you are building equity more quickly
            too. &nbsp;Equity increases as your debt decreases. (Equity also increases if the market value of your home increases so always stay-up-to-date on current market trends.)</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;" class="ng-scope">&nbsp;</p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">Being able to pay off your home more quickly can help you avoid negative equity, or being “upside down” on a house.
            Making larger payments means you’re establishing equity in the property more rapidly, decreasing the likelihood that you will be affected by negative equity if home values fall.</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">Home loans that reach a point where the loan amount is higher than the market value of your home, can lead to borrower
            distress. While it is almost impossible to predict when a certain housing market or demographic is going to decline, there are steps you can take to help avoid it so you make smarter, more informed financing decisions.&nbsp;</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;" class="ng-scope">&nbsp;</p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">The risky component with 15-year mortgages is they can leave you in a vulnerable position. &nbsp;With a large portion of
            your budget tied up in your monthly mortgage payment, when unplanned circumstances hit, you could find yourself in a tight spot. Loss of income, medical costs, additional children etc., could change your monthly income causing strain on
            your budget. &nbsp;A higher mortgage could also keep you from saving more for retirement.</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;background:white;vertical-align:baseline;" class="ng-scope"><span
            style="font-size:15px;font-family:&quot;inherit&quot;,serif;color:#0D0D0D;border:none windowtext 1.0pt;padding:0cm;">A safer alternative may be to make additional monthly payments on a 30-year mortgage when you can. Most loans will allow
            you to do this without a penalty.&nbsp;</span></p>
        <p style="margin-right:0cm;margin-left:0cm;font-size:16px;font-family:&quot;Calibri&quot;,sans-serif;margin:0cm;margin-bottom:.0001pt;" class="ng-scope">&nbsp;</p>
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								<h6 class="mb-0 py-1"> <a class="white-text font-weight-bold collapsed" data-toggle="collapse" href="#collapse02" aria-expanded="false" aria-controls="collapse01"> Do I need to give you my social security number? </a> </h6>
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											<p>No. We won't ask you for your Social Security Number, or "pull" your credit. </P>
											<P> We simply connect you with lenders based on the information you provide - you decide who to work with. </P>
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											<p class="badge badge-success">Answer</p>
											<p class="">LendingStudios helps you you shop for your home loan and compare different mortgage lenders and rates. </P>
											<P> We will help you find a lender that's perfect for your needs and individual circumstances. </P>
											<P> To get started, just complete the online request above. In about 30 seconds you'll receive personalized mortgage quotes and contact information from multiple lenders. </P>
											<P> LendingStudios makes it easy for you to make an informed decision! You'll find power and confidence in your decision after reviewing your quotes. </p>
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											<p>Not at all. LendingStudios helps you comparison shop. You will receive a personalized mortgage quote and contact information for multiple lenders. </P>
											<P> You're under no obligation to accept any of the offers you receive. We simply help you understand your options. </P>
											<P> To get started, complete the online request above. The process takes about 30 seconds, and is a great way to find out what rates you might qualify for and what your monthly payment would be. </p>
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											<p>Yes! This is just a starting point to help you find lenders to work with and the type of rates they offer. The lenders in our network are competitive and want to win your business. </P>
											<P> LendingStudios helps you comparison shop. You will receive a personalized mortgage quote and contact information for multiple lenders. Keep any offers that you have received. </P>
											<P> To get started, complete the online request above. The process takes about 30 seconds, and is a great way to find the perfect lender for your individual circumstances. </p>
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											<P> To get started, just complete the online request above. In about 30 seconds you'll receive personalized mortgage quotes and contact information from multiple lenders. </p>
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											<p class="">That depends on your individual circumstances. Buying a home is expensive. Mortgage rates are rising, and housing values have continued to increase. But, LendingStudios makes it easy for you to make an informed decision! You'll find power and confidence in your decision after reviewing your individual quotes. </P>
											<P> To get started, complete the online request above. The process takes about 30 seconds, and is a great way to find out what rates you might qualify for and what your monthly payment would be. We help match you with a lender that is experienced in helping people achieve their home buying dreams and can offer good advice for your unique situation. </p>
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											<p class="badge badge-success">Answer</p>
											<p class="">That depends on your individual circumstances. Usually people refinance their homes in order to lower their interest rate - which obviously lowers your monthly mortgage payments. Here are the most popular reasons for people to consider refinancing their homes: </P>
											<ol>
												<li> <strong>Lower Your Monthly Mortgage Payment</strong><br>
													Many of the mortgage lenders that we work with offer low closing costs. The old rule of thumb was that if you could find a rate 1% below your current rate, then a refinance would make fiscal sense. But, if you find a lender with low closing costs, then even a 0.25% advantage on a new rate could make sense. We make it understand what your monthly payment would be and give you the power to decide if refinancing would be a good choice for you. <br>
													<br>
												</li>
												<li><strong>Shorten The Term of your Loan </strong><br>
													Many homeowners are switching from 30-year fixed mortgage to 15-year fixed mortgages. Your monthly payment might increase, but you'll pay off your home twice as fast. We make it easy to find good lenders who can give you advice on this. <br>
													<br>
												</li>
												<li> <strong>Cash Out </strong><br>
													Some homeowners have a lot of equity in their homes. A cash-out refinance may be a good opportunity to use that money home improvements, or to pay off higher interest debt. <br>
													<br>
												</li>
												<li> <strong>Switch from a Variable Rate to a Fixed Rate </strong><br>
													Mortgage rates continue to rise. If you have a variable rate, now would be a good time to look at moving to fixed rate and to lock-in your monthly payment. We make it easy to find out what rate you might qualify for and what your monthly payment would be. </li>
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								<h6 class="mb-0 py-1"> <a class="collapsed font-weight-bold white-text" data-toggle="collapse" href="#collapse08" aria-expanded="false" aria-controls="collapse04"> What is a cash-out refinance? </a> </h6>
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											<p class="badge badge-success">Answer</p>
											<p class="">A cash-out refinance is how you can access the equity that you have built up over the years of making your mortgage payments. You can use this money to pay off higher interest credit card debt, medical expenses, school tuition, weddings, or whatever else your needs might be. </P>
											<P> The process is easy and fast - just complete the online request above and in about 30 seconds your'll receive personalized mortgage quotes and contact information from multiple lenders!</p>
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$0 $290,000
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$5,000

$0 $80,000
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3.50%

2% 12%
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Know your lending options.

 



Choosing between a 15-year mortgage or a 30-year mortgage requires a diligent
review of the pros and cons of each and how they relate your individual
goals/needs.  Taking the time to research this before seeking a loan package can
help ensure that you plan mortgage repayment in a way that will most benefit
your future financial health.  

 

If you are able to qualify for a 15-year mortgage, one of the major benefits is
that you can get your debt eliminated more quickly with a shorter loan term. Not
only that, you will save more money because borrowers can secure a lower
interest rate with a shorter-term loan.  

By being able to pay down the principal balance more quickly, and should you
need to refinance, you will have a lower loan-to-value ratio which will make
that process easier for you. 

 

One of the chief benefits of homeownership is the equity you build.  This equity
becomes a major asset that can then be used for a variety of situations and
needs. When you sell the home the value you sell it for becomes cash in your
pocket. Equity is a home is also something you can borrow against with a home
equity loan or a home equity line of credit. Often, homeowners will roll their
equity into their next home purchase, using it as a down payment so that they
can enjoy lower mortgage payments and interest.  

15-year mortgage terms require higher payments each month, yes, but that means
that you are building equity more quickly too.  Equity increases as your debt
decreases. (Equity also increases if the market value of your home increases so
always stay-up-to-date on current market trends.)

 

Being able to pay off your home more quickly can help you avoid negative equity,
or being “upside down” on a house. Making larger payments means you’re
establishing equity in the property more rapidly, decreasing the likelihood that
you will be affected by negative equity if home values fall.

Home loans that reach a point where the loan amount is higher than the market
value of your home, can lead to borrower distress. While it is almost impossible
to predict when a certain housing market or demographic is going to decline,
there are steps you can take to help avoid it so you make smarter, more informed
financing decisions. 

 

The risky component with 15-year mortgages is they can leave you in a vulnerable
position.  With a large portion of your budget tied up in your monthly mortgage
payment, when unplanned circumstances hit, you could find yourself in a tight
spot. Loss of income, medical costs, additional children etc., could change your
monthly income causing strain on your budget.  A higher mortgage could also keep
you from saving more for retirement.

A safer alternative may be to make additional monthly payments on a 30-year
mortgage when you can. Most loans will allow you to do this without a penalty. 

 

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