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Submitted URL: http://echo4.bluehornet.com/ct/101442871:7p6ASAV6N:m:1:3501723836:0B828F4521F95EDF8CFEF6F51F59E2D7:r:A1A:a1
Effective URL: https://refinance.lowermybills.com/?pkey1=&pkey2=&pkey3=&sourceid=lmb-53705-112246
Submission: On August 01 via api from US — Scanned from DE

Form analysis 1 forms found in the DOM

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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

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 5.125% (5.634% 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 $1,594.65. 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 August 01, 2022, from participant(s)
in the LMB Provider Network for qualified consumers.


30-Year Fixed-Rate Mortgage: An interest rate of 5.50% (5.792% APR) is for the
cost of 2.00 point(s) ($4,000.00) paid at closing. On a $200,000 mortgage, you
would make monthly payments of $1,135.58. 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 August 01, 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 08/01/2022 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 08/01/2022 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 08/01/2022 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.
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