refinance.lowermybills.com
Open in
urlscan Pro
2606:4700:4400::ac40:9792
Public Scan
Submitted URL: http://echo4.bluehornet.com/ct/101473245:7t3v4YVDN:m:1:3578683563:699FB162B7272D54A29810D32AEC8CB8:r:67564:a5a
Effective URL: https://refinance.lowermybills.com/?pkey1=&pkey2=&pkey3=&sourceid=lmb-53705-112246
Submission: On November 03 via manual from IL — Scanned from DE
Effective URL: https://refinance.lowermybills.com/?pkey1=&pkey2=&pkey3=&sourceid=lmb-53705-112246
Submission: On November 03 via manual from IL — Scanned from DE
Form analysis 1 forms found in the DOM
<form data-testid="step-one-form" class="step-form">
<div class="drop-down-select ji"><label data-testid="label-homeType" for="homeType" class="drop-down-select__label">Home Type</label><select data-testid="select-homeType" id="homeType" name="homeType" class="drop-down-select__items">
<option class="drop-down-select__option" data-testid="option-homeTypeSINGLE_FAMILY" value="SINGLE_FAMILY">Single Family</option>
<option class="drop-down-select__option" data-testid="option-homeTypeMULTI_FAMILY" value="MULTI_FAMILY">Multi-Family</option>
<option class="drop-down-select__option" data-testid="option-homeTypeCONDO" value="CONDO">Condominium</option>
<option class="drop-down-select__option" data-testid="option-homeTypeTOWN_HOME" value="TOWN_HOME">Townhouse</option>
<option class="drop-down-select__option" data-testid="option-homeTypeMOBILE_HOME" value="MOBILE_HOME">Mobile Home</option>
<option class="drop-down-select__option" data-testid="option-homeTypeMANUFACTURED_HOME" value="MANUFACTURED_HOME">Manufactured Home</option>
</select></div>
<div class="drop-down-select ji"><label data-testid="label-creditType" for="creditType" class="drop-down-select__label">Credit Type</label><select data-testid="select-creditType" id="creditType" name="creditType" class="drop-down-select__items">
<option class="drop-down-select__option" data-testid="option-creditType" value="">Select One</option>
<option class="drop-down-select__option" data-testid="option-creditTypeEXCELLENT" value="EXCELLENT">Excellent (700+)</option>
<option class="drop-down-select__option" data-testid="option-creditTypeGOOD" value="GOOD">Good (580-699)</option>
<option class="drop-down-select__option" data-testid="option-creditTypeFAIR" value="FAIR">Fair (520-579)</option>
<option class="drop-down-select__option" data-testid="option-creditTypePOOR" value="POOR">Poor (519 or lower)</option>
</select></div>
</form>Text Content
Legal Disclosures United States Mortgage Professionals Help Give U.S. Homeowners Access to More Affordable Mortgages If you owe less than $420K on your mortgage and haven't missed a house payment in 6 months, use the mortgage relief program for the middle class. You'll be shocked when you see how much you could be saving. 50% Calculate New Payment! Home TypeSingle FamilyMulti-FamilyCondominiumTownhouseMobile HomeManufactured Home Credit TypeSelect OneExcellent (700+)Good (580-699)Fair (520-579)Poor (519 or lower) Press to Continue Free Refinance Calculator Free Home Equity Calculator Information that we collect and share about you Do not sell my personal information 15-Year Fixed-Rate Mortgage: An interest rate of 6.50% (7.06% APR) is for the cost of 2.25 point(s) ($4,500.00) paid at closing. On a $200,000 mortgage, you would make monthly payments of $1,742.22. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 74.91%. Mortgage rates could change daily. Actual payments will vary based on your individual situation and current rates. Rates shown valid on publication date as of November 03, 2022, from participant(s) in the LMB Provider Network for qualified consumers. 30-Year Fixed-Rate Mortgage: An interest rate of 7.25% (7.596% APR) is for the cost of 2.125 point(s) ($4,250.00) paid at closing. On a $200,000 mortgage, you would make monthly payments of $1,364.36. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 74.91%. Mortgage rates could change daily. Actual payments will vary based on your individual situation and current rates. Rates shown valid on publication date as of November 03, 2022, from participant(s) in the LMB Provider Network for qualified consumers. A shorter term mortgage enables such borrowers to pay down the amount they owe much faster than a traditional 30-year mortgage. Furthermore, interest rates on shorter term mortgages usually are less than on thirty-year mortgages. More information can be found at https://www.quickenloans.com/mortgage-options/fixed-home-loans Savings assume qualified refi candidates, based on the following criteria: 30-year mortgage holders with a maximum 80% loan-to-value (LTV) ratio and credit scores of 720 or higher, who could shave at least 0.75% off their current first lien rate by refinancing. Advertised rates: Based on a $250,000 conventional refinance loan on a single family primary residence located in Georgia, 740 FICO score and 80% LTV. 15 Year Fixed Rate/APR and 30 Year Fixed Rate/APR includes Discount Points. Rates effective 10/31/2022 and are subject to change without notice. Advertised rates: Based on a $400,000 conventional refinance loan on a single family primary residence located in Georgia, 740+ FICO score and 80% LTV. 15 Year Fixed Rate/APR includes Discount Points. Rates effective 10/31/2022 and are subject to change without notice. Advertised rates: Based on a $540,000 conventional refinance loan on a single family primary residence located in Florida, 740+ FICO score and 80% LTV. 15 Year Fixed Rate/APR includes Discount Points. Rates effective 10/31/2022 and are subject to change without notice. FHA's nationwide forward mortgage limit "floor" and "ceiling" for a one-unit property in Calendar Year 2021 are $356,362 and $822,375, respectively. https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits FHFA's maximum base conforming loan limits for properties NOT in Alaska, Hawaii, Guam and U.S. Virgin Islands for 2021: https://sf.freddiemac.com/articles/news/loan-limits-are-increasing-by-742-in-2021 "GSE" Definition - Government Sponsored Enterprises or Entities that include The Federal National Mortgage Association (FNMA or Fannie Mae), The Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac) and The Federal Agricultural Mortgage Corporation (Farmer Mac) https://www.fhfaoig.gov/Content/Files/History%20of%20the%20Government%20Sponsored%20Enterprises.pdf Biden's $10 billion in financial assistance is expected to be available in 2022: https://finance.yahoo.com/news/biden-signed-10-billion-mortgage-133000243.html U.S. Dept. of Treasury’s Fund for Disadvantaged Homeowners - https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund Freddie Mac and Fannie Mae have adopted a new refinance option for loans to borrowers with incomes at or below 80% of area median income. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be able to refinance your mortgage under this refinance option, subject to certain qualifications. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: - Freddie Mac Loan Look-Up Tool (https://loanlookup.freddiemac.com/) or - Fannie Mae Mortgage Loan Lookup (https://www.knowyouroptions.com/loanlookup) LowerMyBills is not acting as a lender or broker. The information provided by you to LowerMyBills is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and/or other factors. LowerMyBills does not offer its matching services in all states. This loan may not be available for all credit types, and not all service providers in the LowerMyBills network offer this or other products with interest-only options. Note: Actions on this website are recorded for quality assurance or training purposes. Input of data constitutes consent. Terms of Use Our Privacy Notice State Privacy Notices Licenses & Disclosures © 2021 LowerMyBills.com. All Rights Reserved. Patent Pending. 4859 W Slauson Ave #405, Los Angeles, CA 90056 LMB Mortgage Services, Inc. NMLS #167283, www.nmlsconsumeraccess.org (T-2068164)(P-2813507_LRE_NO_SPLASH_CONTROL_03-17-22)(SID-lmb-53705-112246) One moment please...