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class="breadcrumb-separator">/</span><div class="sc-iVheDh MhXxJ breadcrumb"><span>Top Mortgage Refinance Lenders</span></div></div></div></div><div class="header-container mx-auto container max-w-7xl px-4 flex-col items-start md:flex-row md:items-cetner"><div class="page-header-info"><h1>Top Mortgage Refinance Lenders</h1><p class="affiliate-disclosure"></p><a class="learn-more-link" href="https://www.benzinga.com/money/advertiser-disclosure/">Read our Advertiser Disclosure.</a></div><div class="contributor-block-container"><div class="contributor-block"><div class="author"><a href="https://www.benzinga.com/money/author/sarah-h">Sarah Horvath</a></div><div class="author-description">Contributor, Benzinga</div><div class="date">September 16, 2024</div></div></div></div><div class="header-container mx-auto container max-w-7xl px-4 flex-col items-start md:flex-row md:items-cetner"></div></div><div class="sc-bHIfKj dvxYqy"><div class="sc-hiTDLB jzsSFa"><div class="sc-ejCKsa cApKXp layout-content-container lg:px-0 mx-auto px-4 layout-container max-w-7xl"><div class="main-content-container layout-container mx-auto"><div class="layout-flex flex flex-col w-full items-start relative"><div class="layout-main flex flex-grow flex-col justify-between"><main class="money-page-main"><div class="sc-iCWdMM cmLZFc money-post-wrapper"><div class="sc-hJOGhH jCVhd money-blocks-wrapper"><p class="block core-block"><strong>For Top Mortgage Refinance Lenders, <a href="https://www.benzinga.com/go/angel-oak-home-loans"><strong>Angel Oak Mortgage Solutions</strong></a> is our top choice.</strong></p><p class="block core-block">Are you having trouble paying your current mortgage every month? Have interest rates fallen since you got your loan? If you answered “yes” to either of these questions, it might be time to consider a refinance. You can impact your monthly mortgage payments, remove private mortgage insurance, shift to an adjustable-rate or fixed-rate mortgage, change to the current mortgage rates and even cut back on origination fees.</p><h3 class="block core-block" id="quick-look-at-the-best-refinance-lenders">Quick Look at the Best Refinance Lenders:</h3><ul class="block core-block"><li><strong>Best for Bank Statement Loans:</strong> <a href="https://www.benzinga.com/go/angel-oak-home-loans">Angel Oak Mortgage Solutions</a></li><li><strong>Best for Simple Applications:</strong> <a href="https://www.benzinga.com/go/rocket-mortgage">Rocket Mortgage</a> (formerly Quicken Loans)</li><li><strong>Best for Self-Employed Professionals:</strong> <a href="https://www.benzinga.com/go/cross-country-mortgage">CrossCountry Mortgage</a></li><li><strong>Best for High Debt-to-Income Ratio:</strong> <a href="https://www.benzinga.com/go/bank-of-america-heloc">Bank of America</a></li><li><strong>Best for In-Person Service:</strong> <a href="https://www.benzinga.com/go/wells-fargo-banking">Wells Fargo</a></li><li><strong>Best for On-Demand Customer Service:</strong> <a href="https://www.benzinga.com/go/pnc-heloc">PNC</a></li></ul><div class="lazyload-wrapper "><div class="min-h-[300px] md:min-h-[186px] my-4"><div class="w-full min-h-[inherit]"><div class="w-full h-full min-h-[inherit] flex items-center justify-center mx-auto rounded-md border border-gray-300 p-4 shadow"><div class="flex flex-col md:flex-row animate-pulse w-full gap-4"><div class="icon-wrapper flex items-center justify-center mx-6"><svg aria-hidden="true" class="w-16 h-16 text-gray-400" fill="currentColor" viewBox="0 0 640 512" xmlns="http://www.w3.org/2000/svg"><path d="M480 80C480 35.82 515.8 0 560 0C604.2 0 640 35.82 640 80C640 124.2 604.2 160 560 160C515.8 160 480 124.2 480 80zM0 456.1C0 445.6 2.964 435.3 8.551 426.4L225.3 81.01C231.9 70.42 243.5 64 256 64C268.5 64 280.1 70.42 286.8 81.01L412.7 281.7L460.9 202.7C464.1 196.1 472.2 192 480 192C487.8 192 495 196.1 499.1 202.7L631.1 419.1C636.9 428.6 640 439.7 640 450.9C640 484.6 612.6 512 578.9 512H55.91C25.03 512 .0006 486.1 .0006 456.1L0 456.1z"></path></svg></div><div class="paragraphs-wrapper w-full"><div class="flex-1 space-y-6 py-1"><div class="h-3 rounded bg-gray-300"></div><div class="space-y-3"><div class="grid grid-cols-3 gap-4"><div class="col-span-2 h-2 rounded bg-gray-300"></div><div class="col-span-1 h-2 rounded bg-gray-300"></div></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div></div></div></div></div></div></div></div></div><div class="sc-ftuRJG eXnPuT bz3_border_box_container table"><div class="bz3_border_box_wrapper p-4 w-auto bg-white"><div class="bz3_table_content_title"><div class="font-semibold text-gray-900 text-left flex items-center justify-between"><div class="flex items-center justify-between gap-3"><div class="fa-list"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M64 64a32 32 0 1 0 0 64 32 32 0 1 0 0-64zm120 8c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zm0 160c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zm0 160c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zM96 256a32 32 0 1 0 -64 0 32 32 0 1 0 64 0zM64 384a32 32 0 1 0 0 64 32 32 0 1 0 0-64z" fill="currentColor"></path></svg></div>Table of Contents</div></div></div><div class="bz3_table_content_list"><ul class="bz3_table_content_ul list-disc text-blue-200 ml-4 mt-2"><li><a href="#quick-look-at-the-best-refinance-lenders" title="Quick Look at the Best Refinance Lenders:">Quick Look at the Best Refinance Lenders:</a></li><li><a href="#best-mortgage-refinance-lenders" title="Best Mortgage Refinance Lenders">Best Mortgage Refinance Lenders</a></li><li><a href="#1-best-for-bank-statement-loans-angel-oak-mortgage-solutions" title="1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions">1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions</a></li><li class="see-all">See All 24 Items</li></ul></div></div></div><h2 class="block core-block" id="best-mortgage-refinance-lenders">Best Mortgage Refinance Lenders </h2><p class="block core-block">Let’s take a look at some of the best mortgage companies on our radar.</p><h3 class="block core-block" id="1-best-for-bank-statement-loans-angel-oak-mortgage-solutions">1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions</h3><div class="sc-huAHOl faPGeX block compare-products"><div class="sc-eOGyVF bvxazX compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/angel-oak-home-loans" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Angel Oak Mortgage Solutions" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Angel Oak Mortgage Solutions" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/04/03095749/logo-mortgagesolutions-logo-only-1-768x203.png?optimize=medium&dpr=2&auto=webp&width=256" 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style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/angel-oak-mortgage-solutions-review">Angel Oak Mortgage Solutions Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Flexible Mortgage Options</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"><span class="securely">securely through Angel Oak Mortgage Solutions's website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/angel-oak-home-loans" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Angel Oak Mortgage Solutions</span></span></button></a></div></div></li></ul></div></div><p class="block core-block"><a href="https://www.benzinga.com/go/angel-oak-home-loans">Angel Oak Mortgage Solutions</a> is a full-service mortgage lender offering traditional and portfolio Non-QM mortgage loans. This mortgage refinance lender is licensed in 45 states and offers competitive rates and quick closing times. </p><p class="block core-block">Angel Oak Mortgage Solutions offers a wide range of mortgage solutions for various needs. Whether you are looking to purchase a home, cash-out on your current property, or refinance at a different mortgage rate, they have options for you.</p><p class="block core-block">With loan amounts available up to $3.5 million, they can support you in financing properties of different values. They cater to primary residences, second homes, and investment properties, and accommodate various types of properties such as single-family homes, townhomes, and condos.</p><p class="block core-block">As an added convenience, they offer options for self-employed borrowers and real estate investors who may not have tax returns readily available. They also provide opportunities for those with 1099 income.</p><p class="block core-block">With competitive rates on conventional purchase and refinance, Angel Oak Mortgage Solutions ensures that you have options to suit your financial goals.</p><ul class="block core-block"><li><strong>Minimum credit score:</strong> 660</li><li><strong>Minimum down payment:</strong> 3%-5%</li><li><strong>Loan types offered:</strong> Conventional, FHA, VA, USDA and Jumbo loans</li><li><strong>States served: </strong>45 states</li></ul><div class="sc-eHPOMh hLfAEU"> <h3 id="2-rocket-mortgage®-best-for-simple-applications">2. Best for Simple Applications: Rocket Mortgage® (formerly Quicken Loans)</h3> </div><div class="sc-huAHOl faPGeX block compare-products"><div class="sc-eOGyVF bvxazX compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/rocket-mortgage" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Rocket Mortgage (formerly Quicken Loans)" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Rocket Mortgage (formerly Quicken Loans)" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02144053/rocket-mortgage.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02144053/rocket-mortgage.png?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02144053/rocket-mortgage.png?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-fqpVkM blKQFu review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:40.000000000000036%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/review-rocket-mortgage">Rocket Mortgage (formerly Quicken Loans) Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Online Mortgages</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"><span class="securely">securely through Rocket Mortgage (formerly Quicken Loans)'s website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/rocket-mortgage" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Rocket Mortgage (formerly Quicken Loans)</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">You won’t need to worry about navigating a complicated loan application process with a <a data-lasso-id="48679" href="https://www.benzinga.com/money/rocket-mortgage-review/">Rocket Mortgage®</a> refinance. Rocket Mortgage® (formerly known as Quicken Loans) has taken as many steps as it can to simplify the refinancing process. Its intuitive system is so easy to navigate that you can complete your application on your phone. </p><p class="block core-block">Its website is also packed with information on refinances and offers a host of great resources. Looking for the simplest mortgage process possible? Be sure to consider Rocket Mortgage®. </p><ul class="block core-block"><li><strong>Minimum credit score:</strong> 620</li><li><strong>Minimum down payment:</strong> 3%</li><li><strong>Loan types offered:</strong> Conventional, FHA, VA and Jumbo loans</li><li><strong>States served: </strong>All 50 states</li></ul><h3 class="block core-block" id="3-best-for-self--employed-professionals-cross-country-mortgage">3. Best for Self-Employed Professionals: CrossCountry Mortgage</h3><div class="sc-huAHOl faPGeX block compare-products"><div class="sc-eOGyVF bvxazX compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/cross-country-mortgage" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="CrossCountry Mortgage" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="CrossCountry Mortgage" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/08/31083706/cross-country-logo-768x119.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/08/31083706/cross-country-logo-768x119.png?optimize=medium&dpr=2&auto=webp&width=128 1x, 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300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/crosscountry-mortgage-review">CrossCountry Mortgage Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Self-employed Borrowers</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"><span class="securely">securely through CrossCountry Mortgage's website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/cross-country-mortgage" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with CrossCountry Mortgage</span></span></button></a></div></div></li></ul></div></div><p class="block core-block"><a href="https://www.benzinga.com/go/cross-country-mortgage">CrossCountry Mortgage</a> makes it easy for all types of home buyers to get approved for a mortgage. Their flexible requirements can help you get financing, with no employment or income verification and no minimum DTI. CrossCountry Mortgage offers traditional loan terms, as well as more flexible home payment plans with their 40-year loan program.</p><p class="block core-block">It’s also easier to get approved if you’re self-employed. Tax returns are not required and you’ll only need one year of self-employment income history and a minimum credit score of 580. CrossCountry Mortgage can also help you get approved on assets alone, like your bank statements, stocks and bonds, or retirement accounts.</p><ul class="block core-block"><li><strong>Minimum credit score: </strong>620</li><li><strong>Minimum down payment:</strong> 3%</li><li><strong>Loan types offered:</strong> Conventional, FHA, VA, USDA and Jumbo loans</li><li><strong>States served: </strong>All 50 states</li></ul><h3 class="block core-block" id="4-best-for-high-debt-to--income-ratio-bank-of-america">4. Best for High Debt-to-Income Ratio: Bank of America</h3><div class="sc-huAHOl faPGeX block compare-products"><div class="sc-eOGyVF bvxazX compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/find-a-mortgage-lender" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Bank of America Mortgage" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Bank of America Mortgage" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02143303/bank-of-america.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02143303/bank-of-america.png?optimize=medium&dpr=2&auto=webp&width=128 1x, 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300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Broad Range of Mortgage Loans</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/find-a-mortgage-lender" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Bank of America Mortgage</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">Your <a href="https://www.benzinga.com/money/what-is-debt-to-income-ratio">debt-to-income (DTI)</a> ratio is a percentage that expresses how much of your monthly pre-tax income goes towards your recurring debts. Most refinance lenders require you to have a DTI ratio of less than or equal to 50% when you refinance, which means that less than 50% of your income goes to things like housing, credit card debt and student loans. This can quickly get you into a mortgage catch-22: You need to refinance because your monthly payment is taking up too much of your budget, but you can’t refinance because your debt is too high to qualify.</p><p class="block core-block"><a href="https://www.benzinga.com/go/find-a-mortgage-lender">Bank of America</a> may allow you to refinance with a DTI ratio as high as 55% and a credit score as low as 600 points. Having trouble managing your mortgage loan and you have student loans or other debt? Qualifying for a loan can be easier with Bank of America.  </p><ul class="block core-block"><li><strong>Minimum credit score: </strong>620</li><li><strong>Minimum down payment:</strong> 3%</li><li><strong>Loan types offered:</strong> Conventional, FHA, VA, USDA and Jumbo loans</li><li><strong>States served: </strong>All 50 states</li></ul><h3 class="block core-block" id="5-best-for-in--person-service-wells-fargo">5. Best for In-Person Service: Wells Fargo</h3><div class="sc-huAHOl faPGeX block compare-products"><div class="sc-eOGyVF bvxazX compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/compare-mortgages" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Wells Fargo &#8211; Mortgage" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Wells Fargo &#8211; Mortgage" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02142355/Wells-Fargo.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02142355/Wells-Fargo.png?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02142355/Wells-Fargo.png?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-fqpVkM blKQFu review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Traditional Lending</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/compare-mortgages" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Wells Fargo - Mortgage</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">If an online mortgage solution isn’t right for you, consider refinancing with <a href="https://www.benzinga.com/go/find-a-mortgage-lender">Wells Fargo</a>. Wells Fargo is one of the largest refinance mortgage lenders in the United States, with over 8,000 independent branches in operation. </p><p class="block core-block">At Wells Fargo, you can apply for a mortgage loan online, over the phone or in-person at one of its branches. You can also begin your mortgage loan online and finish out your application in person with a representative. If the comfort of a human helping hand is on top of your list of refinancing priorities, be sure to consider a refinance with Wells Fargo. </p><ul class="block core-block"><li><strong>Minimum credit score: </strong>620</li><li><strong>Minimum down payment:</strong> 3%</li><li><strong>Loan types offered:</strong> Conventional, FHA, VA, USDA and Jumbo loans</li><li><strong>States served: </strong>All 50 states</li></ul><h3 class="block core-block" id="6-best-for-on--demand-customer-service-p-n-c-financial-services">6. Best For On-Demand Customer Service: PNC Financial Services</h3><div class="sc-huAHOl faPGeX block compare-products"><div class="sc-eOGyVF bvxazX compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/find-a-mortgage-lender" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="PNC Financial Services" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="PNC Financial Services" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/12114611/pnc-768x256.jpeg?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/12114611/pnc-768x256.jpeg?optimize=medium&dpr=2&auto=webp&width=128 1x, 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300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div></div></div><div class="flex items-center flex-row product-cta-wrap"><div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/find-a-mortgage-lender" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with PNC Financial Services Group Inc</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">In a world full of malfunctioning technology and confusing refinancing processes, it can be helpful to know that your new lender has a reliable customer service team on your side. If on-demand customer service is important to you, consider choosing <a href="https://www.benzinga.com/go/find-a-mortgage-lender">PNC Financial Services</a> for your loan.</p><p class="block core-block"> PNC is one of the few refinancing companies to offer 24/7 customer support — so no matter when you have an issue, you’ll have a team ready to help. </p><ul class="block core-block"><li><strong>Minimum credit score: </strong>620</li><li><strong>Minimum down payment:</strong> 3%-5%</li><li><strong>Loan types offered:</strong> Conventional, FHA, VA, USDA and Jumbo loans</li><li><strong>States served: </strong>All 50 states</li></ul><h2 class="block core-block" id="when-to-refinance">When to Refinance</h2><p class="block core-block">Refinancing your mortgage can offer a range of benefits for homeowners. Take a look at some of them:</p><h3 class="block core-block" id="lower-interest-rates">Lower Interest Rates </h3><p class="block core-block">Refinancing your mortgage allows you to take advantage of lower interest rates, which can result in significant savings over the life of your loan.</p><h3 class="block core-block" id="reduce-monthly-payments">Reduce Monthly Payments </h3><p class="block core-block">Refinancing can help you reduce your monthly mortgage payments by extending the loan term or securing a lower interest rate. This can free up cash that can be used for other expenses or savings.</p><h3 class="block core-block" id="change-loan-terms">Change Loan Terms</h3><p class="block core-block">Refinancing provides an opportunity to <a href="https://www.benzinga.com/money/how-mortgage-interest-rates-work">change the terms of your mortgage</a>, such as converting from an adjustable-rate mortgage to a fixed-rate mortgage. This can provide more stability and predictability in your monthly payments.</p><h3 class="block core-block" id="access-equity">Access Equity</h3><p class="block core-block">If your home has increased in value since you purchased it, refinancing allows you to tap into that <a href="https://www.benzinga.com/money/how-do-home-equity-loans-work">equity</a>. You can use the cash to finance home renovations, consolidate debt, or invest in other opportunities.</p><h3 class="block core-block" id="switch-to-a-different-lender">Switch to a Different Lender</h3><p class="block core-block">Refinancing allows you to switch lenders, which can result in better customer service, lower fees, or more favorable terms. It is a chance to explore different options and find the best fit for your financial needs.</p><h2 class="block core-block" id="refinance-eligibility">Refinance Eligibility</h2><p class="block core-block">Refinancing can be a quick and easy solution to many mortgage woes. You can refinance your interest rate to take advantage of lower current rates and save money over time. If you’re having trouble paying off your loan, you can lower your monthly payment by refinancing to a longer term. You can even take a portion of your built equity out of your home with a cash-out refinance. But who qualifies for a refinance?</p><p class="block core-block">There is no legal limit on the number of times that you can refinance. However, you do need to meet a few lender standards before you’ll qualify. Refinancing can be a quality financial instrument for the family, but you must take each refinance as its own event and prepare to explain why when you reach out to the mortgage refinance lender.</p><h3 class="block core-block" id="how-much-you-can-refinance">How Much You Can Refinance</h3><p class="block core-block">Under most circumstances, your lender won’t allow you to refinance 100% of your home value. Yes, you can change the type of loan you have, but you cannot reach your financial goals if you can’t borrow enough money. The limit for refinancing is usually around 80% to 90% of your total loan value. This means that you’ll need to pay on your loan for a while before you can qualify for a refinance.</p><p class="block core-block">For example, let’s say that you bought a home worth $250,000 with a 3% down payment. When you take out your loan, you have a principal balance of $242,500. After a year of making payments on your loan, you may have paid down $2,500 of your principal balance through monthly payments.</p><p class="block core-block">You may decide you want to try a refinance option to get you out of the original mortgage. However, you only have 4% equity in your home at this point — which means that you’ll have a very difficult time finding a lender willing to service your loan. During the beginning of your loan, the vast majority of your monthly payment goes toward interest. This means that you might need to make payments on your loan for a few years before you can qualify for a refinance.</p><div class="sc-eHPOMh hLfAEU"> <h3 id="meet-your-lender’s-standards">Meet Your Lender’s Standards</h3> </div><p class="block core-block">You’ll also need to meet your lender’s individual standards to qualify for a refinance. Each lender has its own standards for applicant’s debt, income, credit score and home value.</p><p class="block core-block">Your lender will ask you for a bit of personal information to get a better look at your financial situation. Your lender will typically ask you to share your last 2:</p><ul class="block core-block"><li>Pay stubs</li><li><a href="https://www.irs.gov/forms-pubs/about-form-w-2" data-lasso-id="48680">W-2 forms</a></li><li>Bank statements</li></ul><p class="block core-block">You may need to provide additional documentation if you’re self-employed. </p><h2 class="block core-block" id="how-to-choose">How to Choose</h2><p class="block core-block">So many companies offer refinances! How can you be sure that you’ve chosen the<a href="https://www.benzinga.com/money/best-mortgage-companies/" data-lasso-id="48681"> best mortgage company</a> for your needs? Use these 5 tips to get the best refinance mortgage possible.  </p><h3 class="block core-block" id="1-check-your-credit-score">1. Check Your Credit Score</h3><p class="block core-block">Your credit score plays a crucial role in the interest rates you’ll see when you shop for a loan. If you haven’t checked on your FICO credit score in a while, be sure to take a look before you apply for a refinance. If you’ve been paying your mortgage loan on time every month, chances are that your score has gone up since you took your loan out. After checking, you can begin working on your credit score, paying down debt and preparing for the loan. </p><h3 class="block core-block" id="2-know-your-loan-stats">2. Know Your Loan Stats</h3><p class="block core-block">Your current loan balance and built equity will also affect the interest estimates you’ll receive when you shop. Contact your current mortgage lender and request information on your current loan balance and interest rate. This will give you an excellent jumping-off point to shop for a new loan.</p><h3 class="block core-block" id="3-shop-around-for-lenders">3. Shop Around for Lenders</h3><p class="block core-block">Don’t be afraid to take plenty of time to compare mortgage refinance lenders. Each lender charges its own set of fees and sets its own individual interest rates. Compare a few lenders and request custom quotes from each will help you find the most affordable refinance possible.</p><h3 class="block core-block" id="4-browse-by-a-p-r-not-interest-ratenbsp">4. Browse by APR, Not Interest Rate </h3><p class="block core-block">When you shop for refinances, you’ll typically see 2 different percentage rates listed: your <a href="https://www.benzinga.com/money/apr-vs-interest-rate">interest rate and your annual percentage rate (APR)</a>. Your interest rate is the base interest rate you’ll pay on your loan, while your APR is your interest rate plus any annual fees included on your loan. Be sure you’re comparing APRs (not interest rates) when you consider each refinance lender.</p><h3 class="block core-block" id="5-know-how-much-cash-you-need">5. Know How Much Cash You Need</h3><p class="block core-block">Taking a cash-out refinance? Know exactly how much money you need before you apply for a new loan. Consolidating credit card debt? Add all of your balances together. Get an estimate from a contractor before you fund a major home improvement. The last thing you want is to be stuck with an incomplete bathroom renovation because you underestimated the price when you took a cash-out refinance.  </p><div class="lazyload-wrapper "><div class="min-h-[300px] md:min-h-[186px] my-4"><div class="w-full min-h-[inherit]"><div class="w-full h-full min-h-[inherit] flex items-center justify-center mx-auto rounded-md border border-gray-300 p-4 shadow"><div class="flex flex-col md:flex-row animate-pulse w-full gap-4"><div class="icon-wrapper flex items-center justify-center mx-6"><svg aria-hidden="true" class="w-16 h-16 text-gray-400" fill="currentColor" viewBox="0 0 640 512" xmlns="http://www.w3.org/2000/svg"><path d="M480 80C480 35.82 515.8 0 560 0C604.2 0 640 35.82 640 80C640 124.2 604.2 160 560 160C515.8 160 480 124.2 480 80zM0 456.1C0 445.6 2.964 435.3 8.551 426.4L225.3 81.01C231.9 70.42 243.5 64 256 64C268.5 64 280.1 70.42 286.8 81.01L412.7 281.7L460.9 202.7C464.1 196.1 472.2 192 480 192C487.8 192 495 196.1 499.1 202.7L631.1 419.1C636.9 428.6 640 439.7 640 450.9C640 484.6 612.6 512 578.9 512H55.91C25.03 512 .0006 486.1 .0006 456.1L0 456.1z"></path></svg></div><div class="paragraphs-wrapper w-full"><div class="flex-1 space-y-6 py-1"><div class="h-3 rounded bg-gray-300"></div><div class="space-y-3"><div class="grid grid-cols-3 gap-4"><div class="col-span-2 h-2 rounded bg-gray-300"></div><div class="col-span-1 h-2 rounded bg-gray-300"></div></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div></div></div></div></div></div></div></div></div><h2 class="block core-block" id="frequently-asked-questions">Frequently Asked Questions</h2><div class="sc-dwVpht YnmPH block"><div class="sc-kyeWiB erouxN faq-container"><div class="sc-iAMrAa eflFza faq-block"><div class="sc-eAQwYs EDDPz qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">How much do you need to save for a down payment?</h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>A down payment on a mortgage can range from 10% or 20% for a conventional mortgage, 3.5% for FHA loans or no down payment for USDA and VA loans.</p> </div></div></div><div class="sc-eAQwYs EDDPz qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">What is a pre-approval?</h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>A pre-approval is a good way to demonstrate to a seller or agent that you can afford a home and the lender has approved your loan up to a certain amount.</p> </div></div></div></div></div></div><p class="block core-block"><strong>Keep Reading:</strong></p><ul class="block core-block"><li><a href="https://www.benzinga.com/money/mortgage-rates">Current Mortgage Rates</a></li><li><a href="https://www.benzinga.com/money/mortgage-refinance-tips">Mortgage Refinance Tips</a></li><li><a href="https://www.benzinga.com/money/when-should-you-refinance-a-mortgage">When to Refinance a Mortgage</a></li></ul></div></div><div class="money-blocks-layout-wrapper"><div class="sc-hJOGhH jCVhd money-blocks-wrapper"><div class="sc-hTKOPA hwXAAs mt-6 border rounded-md p-3"><div class="flex flex-nowrap gap-3"><div class="flex-col w-1/6"><a href="https://www.benzinga.com/money/author/sarah-h"><img alt="Sarah Horvath" class="rounded-full" height="96" src="https://secure.gravatar.com/avatar/9fcc314d33e458d1d57ef6972ca1e52f?s=96&d=mm&r=g" width="96"/></a></div><div class="flex-col w-5/6"><a href="https://www.benzinga.com/money/author/sarah-h"><h4>About Sarah Horvath</h4></a><div><p>Sarah Horvath is a distinguished financial writer renowned for her expertise in mortgage content. With years of experience in the mortgage industry, Sarah offers invaluable insights into home financing, refinancing, and real estate trends. Her comprehensive understanding of mortgage products, coupled with her ability to simplify complex financial concepts, makes her a trusted resource for homebuyers and homeowners alike. Sarah’s dedication to providing accurate and actionable information empowers readers to navigate the mortgage process with confidence. Whether discussing mortgage rates, loan types, or tips for homeownership, Sarah’s writing is characterized by clarity, reliability, and a commitment to helping individuals achieve their homeownership goals.</p> </div></div></div></div></div></div></main></div><div><div class="sc-ldgOGP bNzjwk layout-sidebar flex-none justify-between"><div class="lazyload-wrapper "><div class="lazyload-placeholder"></div></div></div></div></div></div></div><div class="lazyload-wrapper "><div class="lazyload-placeholder"></div></div></div></div><div></div><div></div><div class="sc-KyWsf jBZfLi"><div class="sc-eynGPH kDLFdK close-container"><div class="close-btn"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 384 512" xmlns="http://www.w3.org/2000/svg"><path d="M345 137c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-119 119L73 103c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l119 119L39 375c-9.4 9.4-9.4 24.6 0 33.9s24.6 9.4 33.9 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href=\"https://www.benzinga.com/go/angel-oak-home-loans\"\u003eAngel Oak Mortgage Solutions\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Bank Statement Loans:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/angel-oak-home-loans\"\u003eAngel Oak Mortgage Solutions\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Simple Applications:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/rocket-mortgage\"\u003eRocket Mortgage\u003c/a\u003e (formerly Quicken Loans)\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Simple Applications:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/rocket-mortgage\"\u003eRocket Mortgage\u003c/a\u003e (formerly Quicken Loans)\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Self-Employed Professionals:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cross-country-mortgage\"\u003eCrossCountry Mortgage\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Self-Employed Professionals:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cross-country-mortgage\"\u003eCrossCountry Mortgage\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for High Debt-to-Income Ratio:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bank-of-america-heloc\"\u003eBank of America\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for High Debt-to-Income Ratio:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bank-of-america-heloc\"\u003eBank of America\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for In-Person Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/wells-fargo-banking\"\u003eWells Fargo\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for In-Person Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/wells-fargo-banking\"\u003eWells Fargo\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for On-Demand Customer Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/pnc-heloc\"\u003ePNC\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for On-Demand Customer Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/pnc-heloc\"\u003ePNC\u003c/a\u003e\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eBest for Bank Statement Loans:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/angel-oak-home-loans\"\u003eAngel Oak Mortgage Solutions\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Simple Applications:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/rocket-mortgage\"\u003eRocket Mortgage\u003c/a\u003e (formerly Quicken Loans)\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Self-Employed Professionals:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cross-country-mortgage\"\u003eCrossCountry Mortgage\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for High Debt-to-Income Ratio:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bank-of-america-heloc\"\u003eBank of America\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for In-Person Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/wells-fargo-banking\"\u003eWells Fargo\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for On-Demand Customer Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/pnc-heloc\"\u003ePNC\u003c/a\u003e\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eBest for Bank Statement Loans:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/angel-oak-home-loans\"\u003eAngel Oak Mortgage Solutions\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Simple Applications:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/rocket-mortgage\"\u003eRocket Mortgage\u003c/a\u003e (formerly Quicken Loans)\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Self-Employed Professionals:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cross-country-mortgage\"\u003eCrossCountry Mortgage\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for High Debt-to-Income Ratio:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bank-of-america-heloc\"\u003eBank of America\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for In-Person Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/wells-fargo-banking\"\u003eWells Fargo\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for On-Demand Customer Service:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/pnc-heloc\"\u003ePNC\u003c/a\u003e\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/cta-placeholder","attrs":{"name":"acf/cta-placeholder","data":{"cta_placeholder_type":"primary","cta_data":null,"has_placements":true,"placeholder_type":"primary","widget":null},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/table-of-contents","attrs":{"name":"acf/table-of-contents","data":{"label":"Table of contents","headers":[{"id":"quick-look-at-the-best-refinance-lenders","level":"3","text":"Quick Look at the Best Refinance Lenders:","html":"Quick Look at the Best Refinance Lenders:"},{"id":"best-mortgage-refinance-lenders","level":"2","text":"Best Mortgage Refinance Lenders","html":"Best Mortgage Refinance Lenders "},{"id":"1-angel-oak-home-loans-best-for-bank-statement-loans","level":"3","text":"1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions","html":"1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions"},{"id":"2-rocket-mortgage®-best-for-simple-applications","level":"3","text":"2. Best for Simple Applications: Rocket Mortgage® (formerly Quicken Loans)","html":"2. Best for Simple Applications: Rocket Mortgage® (formerly Quicken Loans)"},{"id":"3-luxury-mortgage-best-for-self-employed-professionals","level":"3","text":"3. Best for Self-Employed Professionals: CrossCountry Mortgage","html":"3. Best for Self-Employed Professionals: CrossCountry Mortgage"},{"id":"4-bank-of-america-best-for-high-debt-to-income-ratio","level":"3","text":"4. Best for High Debt-to-Income Ratio: Bank of America","html":"4. Best for High Debt-to-Income Ratio: Bank of America"},{"id":"5-wells-fargo-best-for-in-person-service","level":"3","text":"5. Best for In-Person Service: Wells Fargo","html":"5. Best for In-Person Service: Wells Fargo"},{"id":"6-pnc-financial-services-best-for-on-demand-customer-service","level":"3","text":"6. Best For On-Demand Customer Service: PNC Financial Services","html":"6. Best For On-Demand Customer Service: PNC Financial Services"},{"id":"when-to-refinance","level":"2","text":"When to Refinance","html":"When to Refinance"},{"id":"lower-interest-rates","level":"3","text":"Lower Interest Rates","html":"Lower Interest Rates "},{"id":"reduce-monthly-payments","level":"3","text":"Reduce Monthly Payments","html":"Reduce Monthly Payments "},{"id":"change-loan-terms","level":"3","text":"Change Loan Terms","html":"Change Loan Terms"},{"id":"access-equity","level":"3","text":"Access Equity","html":"Access Equity"},{"id":"switch-to-a-different-lender","level":"3","text":"Switch to a Different Lender","html":"Switch to a Different Lender"},{"id":"refinance-eligibility","level":"2","text":"Refinance Eligibility","html":"Refinance Eligibility"},{"id":"how-much-you-can-refinance","level":"3","text":"How Much You Can Refinance","html":"How Much You Can Refinance"},{"id":"meet-your-lender’s-standards","level":"3","text":"Meet Your Lender's Standards","html":"Meet Your Lender’s Standards"},{"id":"5-tips-for-finding-the-best-refinance-mortgage-lender","level":"2","text":"How to Choose","html":"How to Choose"},{"id":"1-check-your-credit-score","level":"3","text":"1. Check Your Credit Score","html":"1. Check Your Credit Score"},{"id":"2-know-your-loan-stats","level":"3","text":"2. Know Your Loan Stats","html":"2. Know Your Loan Stats"},{"id":"3-shop-around-for-lenders","level":"3","text":"3. Shop Around for Lenders","html":"3. Shop Around for Lenders"},{"id":"4-browse-by-apr-not-interest-rate","level":"3","text":"4. Browse by APR, Not Interest Rate\u0026nbsp;","html":"4. Browse by APR, Not Interest Rate\u0026nbsp;"},{"id":"5-know-how-much-cash-you-need","level":"3","text":"5. Know How Much Cash You Need","html":"5. Know How Much Cash You Need"},{"id":"frequently-asked-questions","level":"2","text":"Frequently Asked Questions","html":"Frequently Asked Questions"}],"default_hide":true,"style":"default","include_tags":[2,3]},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","headers":[{"id":"quick-look-at-the-best-refinance-lenders","level":"3","text":"Quick Look at the Best Refinance Lenders:","html":"Quick Look at the Best Refinance Lenders:"},{"id":"best-mortgage-refinance-lenders","level":"2","text":"Best Mortgage Refinance Lenders","html":"Best Mortgage Refinance Lenders "},{"id":"1-best-for-bank-statement-loans-angel-oak-mortgage-solutions","level":"3","text":"1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions","html":"1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions"},{"id":"2-best-for-simple-applications-rocket-mortgage-formerly-quicken-loans","level":"3","text":"2. Best for Simple Applications: Rocket Mortgage® (formerly Quicken Loans)","html":"2. Best for Simple Applications: Rocket Mortgage® (formerly Quicken Loans)"},{"id":"3-best-for-self--employed-professionals-cross-country-mortgage","level":"3","text":"3. Best for Self-Employed Professionals: CrossCountry Mortgage","html":"3. Best for Self-Employed Professionals: CrossCountry Mortgage"},{"id":"4-best-for-high-debt-to--income-ratio-bank-of-america","level":"3","text":"4. Best for High Debt-to-Income Ratio: Bank of America","html":"4. Best for High Debt-to-Income Ratio: Bank of America"},{"id":"5-best-for-in--person-service-wells-fargo","level":"3","text":"5. Best for In-Person Service: Wells Fargo","html":"5. Best for In-Person Service: Wells Fargo"},{"id":"6-best-for-on--demand-customer-service-p-n-c-financial-services","level":"3","text":"6. Best For On-Demand Customer Service: PNC Financial Services","html":"6. Best For On-Demand Customer Service: PNC Financial Services"},{"id":"when-to-refinance","level":"2","text":"When to Refinance","html":"When to Refinance"},{"id":"lower-interest-rates","level":"3","text":"Lower Interest Rates","html":"Lower Interest Rates "},{"id":"reduce-monthly-payments","level":"3","text":"Reduce Monthly Payments","html":"Reduce Monthly Payments "},{"id":"change-loan-terms","level":"3","text":"Change Loan Terms","html":"Change Loan Terms"},{"id":"access-equity","level":"3","text":"Access Equity","html":"Access Equity"},{"id":"switch-to-a-different-lender","level":"3","text":"Switch to a Different Lender","html":"Switch to a Different Lender"},{"id":"refinance-eligibility","level":"2","text":"Refinance Eligibility","html":"Refinance Eligibility"},{"id":"how-much-you-can-refinance","level":"3","text":"How Much You Can Refinance","html":"How Much You Can Refinance"},{"id":"meet-your-lenders-standards","level":"3","text":"Meet Your Lender's Standards","html":"Meet Your Lender’s Standards"},{"id":"how-to-choose","level":"2","text":"How to Choose","html":"How to Choose"},{"id":"1-check-your-credit-score","level":"3","text":"1. Check Your Credit Score","html":"1. Check Your Credit Score"},{"id":"2-know-your-loan-stats","level":"3","text":"2. Know Your Loan Stats","html":"2. Know Your Loan Stats"},{"id":"3-shop-around-for-lenders","level":"3","text":"3. Shop Around for Lenders","html":"3. Shop Around for Lenders"},{"id":"4-browse-by-a-p-r-not-interest-ratenbsp","level":"3","text":"4. Browse by APR, Not Interest Rate\u0026nbsp;","html":"4. Browse by APR, Not Interest Rate\u0026nbsp;"},{"id":"5-know-how-much-cash-you-need","level":"3","text":"5. Know How Much Cash You Need","html":"5. Know How Much Cash You Need"},{"id":"frequently-asked-questions","level":"2","text":"Frequently Asked Questions","html":"Frequently Asked Questions"}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2\u003eBest Mortgage Refinance Lenders \u003c/h2\u003e\n","tag":"h2","id":"best-mortgage-refinance-lenders","html":"Best Mortgage Refinance Lenders ","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eLet’s take a look at some of the best mortgage companies on our radar.\u003c/p\u003e\n","html":"Let’s take a look at some of the best mortgage companies on our radar.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"1-angel-oak-home-loans-best-for-bank-statement-loans\"\u003e1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions\u003c/h3\u003e\n","tag":"h3","id":"1-best-for-bank-statement-loans-angel-oak-mortgage-solutions","html":"1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[180888],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":180888,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/04/03095749/logo-mortgagesolutions-logo-only-1-768x203.png","square_image":null,"best_for":"Flexible Mortgage Options","teaser":"","filters":{"avg._days_to_close_loan":30,"minimum_credit_score":600},"name":"Angel Oak Mortgage Solutions","link":"https://www.benzinga.com/go/angel-oak-home-loans","rating":4,"review":"https://www.benzinga.com/money/angel-oak-mortgage-solutions-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Angel Oak Mortgage Solutions's website","current_promotion":null,"disclosure":"\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/angel-oak-disclosure\"\u003eAngel Oak Licensing and Disclosure Information\u003c/a\u003e\u003c/p\u003e\n","button_text":"get started","product_badge_image":false,"go_link_id":179697,"company_id":179698,"company_name":"Angel Oak Mortgage Solutions","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp style=\"font-weight: 400;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAngel Oak Mortgage Solutions specializes in \u003c/span\u003e\u003ca href=\"https://www.benzinga.com/money/understanding-stated-income-loans\"\u003e\u003cspan style=\"font-weight: 400;\"\u003enon-traditional mortgage\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e products, making it a go-to for borrowers with unique financial situations, like self-employed individuals or those without traditional income verification. Angel Oak stands out for its flexible qualification options, including bank statement loans, asset-based loans, and programs for foreign nationals. However, these specialized loans often come with higher rates compared to conventional loans, and the company’s service area is limited, meaning not everyone can take advantage of their offerings.\u003c/span\u003e\u003c/p\u003e\n","pros":["Offers a wide range of non-QM (non-qualified mortgage) loan products","Flexible income verification options, including bank statements and assets","Loans available for foreign nationals and ITIN holders","Dedicated loan officers for personalized service"],"cons":["Limited availability in some states","Higher interest rates compared to conventional loans"],"best_for":["Self-employed borrowers or small business owners","Investors seeking cash flow-based financing","Borrowers with non-traditional income sources","Individuals seeking flexible qualification criteria"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/angel-oak-home-loans\"\u003eAngel Oak Mortgage Solutions\u003c/a\u003e is a full-service mortgage lender offering traditional and portfolio Non-QM mortgage loans. This mortgage refinance lender is licensed in 45 states and offers competitive rates and quick closing times.\u0026nbsp;\u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/angel-oak-home-loans\"\u003eAngel Oak Mortgage Solutions\u003c/a\u003e is a full-service mortgage lender offering traditional and portfolio Non-QM mortgage loans. This mortgage refinance lender is licensed in 45 states and offers competitive rates and quick closing times.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAngel Oak Mortgage Solutions offers a wide range of mortgage solutions for various needs. Whether you are looking to purchase a home, cash-out on your current property, or refinance at a different mortgage rate, they have options for you.\u003c/p\u003e\n","html":"Angel Oak Mortgage Solutions offers a wide range of mortgage solutions for various needs. Whether you are looking to purchase a home, cash-out on your current property, or refinance at a different mortgage rate, they have options for you.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eWith loan amounts available up to $3.5 million, they can support you in financing properties of different values. They cater to primary residences, second homes, and investment properties, and accommodate various types of properties such as single-family homes, townhomes, and condos.\u003c/p\u003e\n","html":"With loan amounts available up to $3.5 million, they can support you in financing properties of different values. They cater to primary residences, second homes, and investment properties, and accommodate various types of properties such as single-family homes, townhomes, and condos.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAs an added convenience, they offer options for self-employed borrowers and real estate investors who may not have tax returns readily available. They also provide opportunities for those with 1099 income.\u003c/p\u003e\n","html":"As an added convenience, they offer options for self-employed borrowers and real estate investors who may not have tax returns readily available. They also provide opportunities for those with 1099 income.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eWith competitive rates on conventional purchase and refinance, Angel Oak Mortgage Solutions ensures that you have options to suit your financial goals.\u003c/p\u003e\n","html":"With competitive rates on conventional purchase and refinance, Angel Oak Mortgage Solutions ensures that you have options to suit your financial goals.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 660\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 660\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%-5%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%-5%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003e45 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003e45 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 660\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%-5%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003e45 states\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 660\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%-5%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003e45 states\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"2-rocket-mortgage®-best-for-simple-applications\"\u003e2. Best for Simple Applications: Rocket Mortgage® (formerly Quicken Loans)\u003c/h3\u003e\n","id":"2-best-for-simple-applications-rocket-mortgage-formerly-quicken-loans","html":null,"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[47820],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":47820,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02144053/rocket-mortgage.png","square_image":null,"best_for":"Online Mortgages","teaser":"","filters":{"avg._days_to_close_loan":30,"minimum_credit_score":580},"name":"Rocket Mortgage (formerly Quicken Loans)","link":"https://www.benzinga.com/go/rocket-mortgage","rating":4.4,"review":"https://www.benzinga.com/money/review-rocket-mortgage","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Rocket Mortgage (formerly Quicken Loans)'s website","current_promotion":null,"disclosure":"","button_text":"","product_badge_image":false,"go_link_id":53343,"company_id":47818,"company_name":"Rocket Mortgage (formerly Quicken Loans)","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp\u003eRocket Mortgage (formerly known as Quicken Loans) is one of the best mortgage lenders on the market, making it easy to apply for a home loan entirely online. Its streamlined preapproval process and quick access to customer service set it apart from other online lenders. Rocket Mortgage offers a large variety of mortgages and is backed by the largest mortgage lender, Quicken Loans. Whether you need help or know exactly what you’re looking for, Rocket Mortgage matches you with the right mortgage type and helps you quickly complete your online application.\u003c/p\u003e\n","pros":["Rocket Mortgage allows you to move at your own pace, guiding you through each step of the process. After you answer all the application questions, Rocket Mortgage lets you know if you’re approved and show your personalized mortgage recommendations","You can submit checking and savings account information, tax returns and other financial documents online — a feature that sets Rocket Mortgage apart from online competitors","RateShield allows you to lock in your Rocket Mortgage approved rate for up to 90 days","The home loan application process can be completed in minutes, allowing you to find out if you qualify for a mortgage right away","The online software allows you to navigate through the entire home buying process, from approval to home closing. Once you’re approved and you make an offer on your home, Rocket Mortgage offers online tools that will help you move through the rest of the closing process"],"cons":["While Rocket Mortgage has customer specialists ready to answer your questions and provide guidance, if you prefer sitting across from a person when filling out financial forms, this lender might not be right for you","You can’t easily view all of Rocket Mortgage’s home loan options prior to applying. It offers conventional, FHA, USDA and VA loans, but you’ll need to apply to find out more about the mortgage types within these offerings and which ones you’re eligible for"],"best_for":["Homebuyers who are looking to complete the mortgage application process on their own","Homebuyers who have found their dream home and are looking to move through the approval process quickly","Homebuyers with good credit scores looking to review their mortgage options","Current homeowners looking to refinance within the next few months"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYou won’t need to worry about navigating a complicated loan application process with a \u003ca data-lasso-id=\"48679\" href=\"https://www.benzinga.com/money/rocket-mortgage-review/\"\u003eRocket Mortgage®\u003c/a\u003e refinance. Rocket Mortgage® (formerly known as Quicken Loans) has taken as many steps as it can to simplify the refinancing process. Its intuitive system is so easy to navigate that you can complete your application on your phone. \u003c/p\u003e\n","html":"You won’t need to worry about navigating a complicated loan application process with a \u003ca data-lasso-id=\"48679\" href=\"https://www.benzinga.com/money/rocket-mortgage-review/\"\u003eRocket Mortgage®\u003c/a\u003e refinance. Rocket Mortgage® (formerly known as Quicken Loans) has taken as many steps as it can to simplify the refinancing process. Its intuitive system is so easy to navigate that you can complete your application on your phone. ","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIts website is also packed with information on refinances and offers a host of great resources. Looking for the simplest mortgage process possible? Be sure to consider Rocket Mortgage®.\u0026nbsp;\u003c/p\u003e\n","html":"Its website is also packed with information on refinances and offers a host of great resources. Looking for the simplest mortgage process possible? Be sure to consider Rocket Mortgage®.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 620\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 620\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA and Jumbo loans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA and Jumbo loans\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u003c/strong\u003e 620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e 3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"3-luxury-mortgage-best-for-self-employed-professionals\"\u003e3. 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It also has more specialized products like bank statement loans, asset qualifier mortgages and no doc investment property loans. If you’ve had a hard time finding a mortgage due to erratic income, being retired, self-employed or buying an investment property, CrossCountry Mortgage is worth a look.\u003c/p\u003e\n","pros":["Wide variety of mortgage products","Niche products like bank statement loans","Works with many state home buyer assistance programs"],"cons":["Not all applicants can be approved"],"best_for":["Self-employed professionals","Retirees","Investors","Condo buyers"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/cross-country-mortgage\"\u003eCrossCountry Mortgage\u003c/a\u003e makes it easy for all types of home buyers to get approved for a mortgage. Their flexible requirements can help you get financing, with no employment or income verification and no minimum DTI. CrossCountry Mortgage offers traditional loan terms, as well as more flexible home payment plans with their 40-year loan program.\u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/cross-country-mortgage\"\u003eCrossCountry Mortgage\u003c/a\u003e makes it easy for all types of home buyers to get approved for a mortgage. Their flexible requirements can help you get financing, with no employment or income verification and no minimum DTI. CrossCountry Mortgage offers traditional loan terms, as well as more flexible home payment plans with their 40-year loan program.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIt’s also easier to get approved if you’re self-employed. Tax returns are not required and you’ll only need one year of self-employment income history and a minimum credit score of 580. CrossCountry Mortgage can also help you get approved on assets alone, like your bank statements, stocks and bonds, or retirement accounts.\u003c/p\u003e\n","html":"It’s also easier to get approved if you’re self-employed. Tax returns are not required and you’ll only need one year of self-employment income history and a minimum credit score of 580. CrossCountry Mortgage can also help you get approved on assets alone, like your bank statements, stocks and bonds, or retirement accounts.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"4-bank-of-america-best-for-high-debt-to-income-ratio\"\u003e4. Best for High Debt-to-Income Ratio: Bank of America\u003c/h3\u003e\n","tag":"h3","id":"4-best-for-high-debt-to--income-ratio-bank-of-america","html":"4. 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The bank stands out for its strong digital tools paired with in-person service through its nationwide branches. Bank of America’s specialized programs, like the Affordable Loan Solution and Preferred Rewards, are particularly appealing for those seeking low down payment options or discounts. While it doesn’t offer USDA loans, and its preferred rewards program is limited to those with higher balances, it’s still a solid choice for most homebuyers.\u003c/span\u003e\u003c/p\u003e\n","pros":["Wide range of mortgage products, including low down payment options","Strong digital tools, including the Home Loan Navigator for tracking your loan","Access to in-person customer service at branches across the country","Discounts available through the Preferred Rewards program"],"cons":["No USDA loans offered","Preferred Rewards discounts require high account balances"],"best_for":["First-time homebuyers seeking low down payment options","Homebuyers who prefer the option of in-person support at a branch","Existing Bank of America customers who qualify for preferred rewards","Borrowers interested in a range of refinance options and home equity loans"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour \u003ca href=\"https://www.benzinga.com/money/what-is-debt-to-income-ratio\"\u003edebt-to-income (DTI)\u003c/a\u003e ratio is a percentage that expresses how much of your monthly pre-tax income goes towards your recurring debts. Most refinance lenders require you to have a DTI ratio of less than or equal to 50% when you refinance, which means that less than 50% of your income goes to things like housing, credit card debt and student loans. This can quickly get you into a mortgage catch-22: You need to refinance because your monthly payment is taking up too much of your budget, but you can’t refinance because your debt is too high to qualify.\u003c/p\u003e\n","html":"Your \u003ca href=\"https://www.benzinga.com/money/what-is-debt-to-income-ratio\"\u003edebt-to-income (DTI)\u003c/a\u003e ratio is a percentage that expresses how much of your monthly pre-tax income goes towards your recurring debts. Most refinance lenders require you to have a DTI ratio of less than or equal to 50% when you refinance, which means that less than 50% of your income goes to things like housing, credit card debt and student loans. This can quickly get you into a mortgage catch-22: You need to refinance because your monthly payment is taking up too much of your budget, but you can’t refinance because your debt is too high to qualify.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/find-a-mortgage-lender\"\u003eBank of America\u003c/a\u003e may allow you to refinance with a DTI ratio as high as 55% and a credit score as low as 600 points. Having trouble managing your mortgage loan and you have student loans or other debt? Qualifying for a loan can be easier with Bank of America.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/find-a-mortgage-lender\"\u003eBank of America\u003c/a\u003e may allow you to refinance with a DTI ratio as high as 55% and a credit score as low as 600 points. Having trouble managing your mortgage loan and you have student loans or other debt? Qualifying for a loan can be easier with Bank of America.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"5-wells-fargo-best-for-in-person-service\"\u003e5. Best for In-Person Service: Wells Fargo\u003c/h3\u003e\n","tag":"h3","id":"5-best-for-in--person-service-wells-fargo","html":"5. Best for In-Person Service: Wells Fargo","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[47800],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":47800,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/10/02142355/Wells-Fargo.png","square_image":null,"best_for":"Traditional Lending","teaser":"","filters":{"avg._days_to_close_loan":90,"minimum_credit_score":620},"name":"Wells Fargo \u0026#8211; Mortgage","link":"https://www.benzinga.com/go/compare-mortgages","rating":4,"review":null,"insurance_types_of_plans":"","hide_securely_through":false,"trust":"","current_promotion":null,"disclosure":"","button_text":"Contact a Lender","product_badge_image":false,"go_link_id":321878,"company_id":47797,"company_name":"Wells Fargo - Mortgage","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp\u003eWells Fargo is one of the top national mortgage lenders. It offers a large selection of conventional purchase, refinance, jumbo, FHA, USDA and VA loans and also provides low down payment options for low-income buyers.\u003c/p\u003e\n\u003cp\u003eYou can apply for a mortgage with Wells Fargo entirely online, in person at a Wells Fargo branch or by phone. Wells Fargo offers an electronic verification process for income and supplemental documents and a fully online loan tracker to update you on your progress every step of the way.\u003c/p\u003e\n\u003cp\u003eHere’s what you need to know about Wells Fargo at a glance.\u003c/p\u003e\n","pros":["Can apply at your convenience (online or in person)","Wells Fargo’s mortgage rates are published online","You can submit all of your loan documents entirely online","Wells Fargo’s Loan Tracker allows you to access your account at any time","Many loan education resources and programs are available on the Wells Fargo website"],"cons":["Doesn’t have the highest customer service rating","Closing process runs longer than most other lenders","Loan options aren’t immediately available without going through the application process"],"best_for":["Those seeking a traditional lender with convenient locations","Home buyers who need extra guidance during the mortgage application process","Buyers without a large down payment","Those on the hunt for the right mortgage product"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf an online mortgage solution isn’t right for you, consider refinancing with \u003ca href=\"https://www.benzinga.com/go/find-a-mortgage-lender\"\u003eWells Fargo\u003c/a\u003e. Wells Fargo is one of the largest refinance mortgage lenders in the United States, with over 8,000 independent branches in operation. \u003c/p\u003e\n","html":"If an online mortgage solution isn’t right for you, consider refinancing with \u003ca href=\"https://www.benzinga.com/go/find-a-mortgage-lender\"\u003eWells Fargo\u003c/a\u003e. Wells Fargo is one of the largest refinance mortgage lenders in the United States, with over 8,000 independent branches in operation. ","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAt Wells Fargo, you can apply for a mortgage loan online, over the phone or in-person at one of its branches. You can also begin your mortgage loan online and finish out your application in person with a representative. If the comfort of a human helping hand is on top of your list of refinancing priorities, be sure to consider a refinance with Wells Fargo.\u0026nbsp;\u003c/p\u003e\n","html":"At Wells Fargo, you can apply for a mortgage loan online, over the phone or in-person at one of its branches. You can also begin your mortgage loan online and finish out your application in person with a representative. If the comfort of a human helping hand is on top of your list of refinancing priorities, be sure to consider a refinance with Wells Fargo.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"6-pnc-financial-services-best-for-on-demand-customer-service\"\u003e6. Best For On-Demand Customer Service: PNC Financial Services\u003c/h3\u003e\n","tag":"h3","id":"6-best-for-on--demand-customer-service-p-n-c-financial-services","html":"6. Best For On-Demand Customer Service: PNC Financial Services","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[48529],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":48529,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/12114611/pnc-768x256.jpeg","square_image":null,"best_for":"","teaser":"","filters":{"avg._days_to_close_loan":40,"minimum_credit_score":700},"name":"PNC Financial Services","link":"https://www.benzinga.com/go/find-a-mortgage-lender","rating":0,"review":null,"insurance_types_of_plans":"","hide_securely_through":false,"trust":"","current_promotion":null,"disclosure":"","button_text":"","product_badge_image":false,"go_link_id":60413,"company_id":19207,"company_name":"PNC Financial Services Group Inc","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"","pros":[],"cons":[],"best_for":[],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIn a world full of malfunctioning technology and confusing refinancing processes, it can be helpful to know that your new lender has a reliable customer service team on your side. If on-demand customer service is important to you, consider choosing \u003ca href=\"https://www.benzinga.com/go/find-a-mortgage-lender\"\u003ePNC Financial Services\u003c/a\u003e for your loan.\u003c/p\u003e\n","html":"In a world full of malfunctioning technology and confusing refinancing processes, it can be helpful to know that your new lender has a reliable customer service team on your side. If on-demand customer service is important to you, consider choosing \u003ca href=\"https://www.benzinga.com/go/find-a-mortgage-lender\"\u003ePNC Financial Services\u003c/a\u003e for your loan.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e PNC is one of the few refinancing companies to offer 24/7 customer support — so no matter when you have an issue, you’ll have a team ready to help.\u0026nbsp;\u003c/p\u003e\n","html":" PNC is one of the few refinancing companies to offer 24/7 customer support — so no matter when you have an issue, you’ll have a team ready to help.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%-5%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%-5%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%-5%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eMinimum credit score:\u0026nbsp;\u003c/strong\u003e620\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMinimum down payment:\u003c/strong\u003e\u0026nbsp;3%-5%\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLoan types offered:\u003c/strong\u003e\u0026nbsp;Conventional, FHA, VA, USDA and Jumbo loans\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eStates served:\u0026nbsp;\u003c/strong\u003eAll 50 states\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2\u003eWhen to Refinance\u003c/h2\u003e\n","tag":"h2","id":"when-to-refinance","html":"When to Refinance","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eRefinancing your mortgage can offer a range of benefits for homeowners.\u0026nbsp;Take a look at some of them:\u003c/p\u003e\n","html":"Refinancing your mortgage can offer a range of benefits for homeowners.\u0026nbsp;Take a look at some of them:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eLower Interest Rates \u003c/h3\u003e\n","tag":"h3","id":"lower-interest-rates","html":"Lower Interest Rates ","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eRefinancing your mortgage allows you to take advantage of lower interest rates, which can result in significant savings over the life of your loan.\u003c/p\u003e\n","html":"Refinancing your mortgage allows you to take advantage of lower interest rates, which can result in significant savings over the life of your loan.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eReduce Monthly Payments \u003c/h3\u003e\n","tag":"h3","id":"reduce-monthly-payments","html":"Reduce Monthly Payments ","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eRefinancing can help you reduce your monthly mortgage payments by extending the loan term or securing a lower interest rate. This can free up cash that can be used for other expenses or savings.\u003c/p\u003e\n","html":"Refinancing can help you reduce your monthly mortgage payments by extending the loan term or securing a lower interest rate. This can free up cash that can be used for other expenses or savings.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eChange Loan Terms\u003c/h3\u003e\n","tag":"h3","id":"change-loan-terms","html":"Change Loan Terms","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eRefinancing provides an opportunity to \u003ca href=\"https://www.benzinga.com/money/how-mortgage-interest-rates-work\"\u003echange the terms of your mortgage\u003c/a\u003e, such as converting from an adjustable-rate mortgage to a fixed-rate mortgage. This can provide more stability and predictability in your monthly payments.\u003c/p\u003e\n","html":"Refinancing provides an opportunity to \u003ca href=\"https://www.benzinga.com/money/how-mortgage-interest-rates-work\"\u003echange the terms of your mortgage\u003c/a\u003e, such as converting from an adjustable-rate mortgage to a fixed-rate mortgage. This can provide more stability and predictability in your monthly payments.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eAccess Equity\u003c/h3\u003e\n","tag":"h3","id":"access-equity","html":"Access Equity","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf your home has increased in value since you purchased it, refinancing allows you to tap into that \u003ca href=\"https://www.benzinga.com/money/how-do-home-equity-loans-work\"\u003eequity\u003c/a\u003e. You can use the cash to finance home renovations, consolidate debt, or invest in other opportunities.\u003c/p\u003e\n","html":"If your home has increased in value since you purchased it, refinancing allows you to tap into that \u003ca href=\"https://www.benzinga.com/money/how-do-home-equity-loans-work\"\u003eequity\u003c/a\u003e. You can use the cash to finance home renovations, consolidate debt, or invest in other opportunities.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eSwitch to a Different Lender\u003c/h3\u003e\n","tag":"h3","id":"switch-to-a-different-lender","html":"Switch to a Different Lender","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eRefinancing allows you to switch lenders, which can result in better customer service, lower fees, or more favorable terms. It is a chance to explore different options and find the best fit for your financial needs.\u003c/p\u003e\n","html":"Refinancing allows you to switch lenders, which can result in better customer service, lower fees, or more favorable terms. It is a chance to explore different options and find the best fit for your financial needs.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"refinance-eligibility\"\u003eRefinance Eligibility\u003c/h2\u003e\n","tag":"h2","id":"refinance-eligibility","html":"Refinance Eligibility","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eRefinancing can be a quick and easy solution to many mortgage woes. You can refinance your interest rate to take advantage of lower current rates and save money over time. If you’re having trouble paying off your loan, you can lower your monthly payment by refinancing to a longer term. You can even take a portion of your built equity out of your home with a cash-out refinance. But who qualifies for a refinance?\u003c/p\u003e\n","html":"Refinancing can be a quick and easy solution to many mortgage woes. You can refinance your interest rate to take advantage of lower current rates and save money over time. If you’re having trouble paying off your loan, you can lower your monthly payment by refinancing to a longer term. You can even take a portion of your built equity out of your home with a cash-out refinance. But who qualifies for a refinance?","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThere is no legal limit on the number of times that you can refinance. However, you do need to meet a few lender standards before you’ll qualify. Refinancing can be a quality financial instrument for the family, but you must take each refinance as its own event and prepare to explain why when you reach out to the mortgage refinance lender.\u003c/p\u003e\n","html":"There is no legal limit on the number of times that you can refinance. However, you do need to meet a few lender standards before you’ll qualify. Refinancing can be a quality financial instrument for the family, but you must take each refinance as its own event and prepare to explain why when you reach out to the mortgage refinance lender.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"how-much-you-can-refinance\"\u003eHow Much You Can Refinance\u003c/h3\u003e\n","tag":"h3","id":"how-much-you-can-refinance","html":"How Much You Can Refinance","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eUnder most circumstances, your lender won’t allow you to refinance 100% of your home value. Yes, you can change the type of loan you have, but you cannot reach your financial goals if you can’t borrow enough money. The limit for refinancing is usually around 80% to 90% of your total loan value. This means that you’ll need to pay on your loan for a while before you can qualify for a refinance.\u003c/p\u003e\n","html":"Under most circumstances, your lender won’t allow you to refinance 100% of your home value. Yes, you can change the type of loan you have, but you cannot reach your financial goals if you can’t borrow enough money. The limit for refinancing is usually around 80% to 90% of your total loan value. This means that you’ll need to pay on your loan for a while before you can qualify for a refinance.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eFor example, let’s say that you bought a home worth $250,000 with a 3% down payment. When you take out your loan, you have a principal balance of $242,500. After a year of making payments on your loan, you may have paid down $2,500 of your principal balance through monthly payments.\u003c/p\u003e\n","html":"For example, let’s say that you bought a home worth $250,000 with a 3% down payment. When you take out your loan, you have a principal balance of $242,500. After a year of making payments on your loan, you may have paid down $2,500 of your principal balance through monthly payments.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYou may decide you want to try a refinance option to get you out of the original mortgage. However, you only have 4% equity in your home at this point — which means that you’ll have a very difficult time finding a lender willing to service your loan. During the beginning of your loan, the vast majority of your monthly payment goes toward interest. This means that you might need to make payments on your loan for a few years before you can qualify for a refinance.\u003c/p\u003e\n","html":"You may decide you want to try a refinance option to get you out of the original mortgage. However, you only have 4% equity in your home at this point — which means that you’ll have a very difficult time finding a lender willing to service your loan. During the beginning of your loan, the vast majority of your monthly payment goes toward interest. This means that you might need to make payments on your loan for a few years before you can qualify for a refinance.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"meet-your-lender’s-standards\"\u003eMeet Your Lender’s Standards\u003c/h3\u003e\n","id":"meet-your-lenders-standards","html":null,"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYou’ll also need to meet your lender’s individual standards to qualify for a refinance. Each lender has its own standards for applicant’s debt, income, credit score and home value.\u003c/p\u003e\n","html":"You’ll also need to meet your lender’s individual standards to qualify for a refinance. Each lender has its own standards for applicant’s debt, income, credit score and home value.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour lender will ask you for a bit of personal information to get a better look at your financial situation. Your lender will typically ask you to share your last 2:\u003c/p\u003e\n","html":"Your lender will ask you for a bit of personal information to get a better look at your financial situation. Your lender will typically ask you to share your last 2:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePay stubs\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePay stubs\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003ca href=\"https://www.irs.gov/forms-pubs/about-form-w-2\" data-lasso-id=\"48680\"\u003eW-2 forms\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003ca href=\"https://www.irs.gov/forms-pubs/about-form-w-2\" data-lasso-id=\"48680\"\u003eW-2 forms\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eBank statements\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eBank statements\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003ePay stubs\u003c/li\u003e\u003cli\u003e\u003ca href=\"https://www.irs.gov/forms-pubs/about-form-w-2\" data-lasso-id=\"48680\"\u003eW-2 forms\u003c/a\u003e\u003c/li\u003e\u003cli\u003eBank statements\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003ePay stubs\u003c/li\u003e\u003cli\u003e\u003ca href=\"https://www.irs.gov/forms-pubs/about-form-w-2\" data-lasso-id=\"48680\"\u003eW-2 forms\u003c/a\u003e\u003c/li\u003e\u003cli\u003eBank statements\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYou may need to provide additional documentation if you’re self-employed.\u0026nbsp;\u003c/p\u003e\n","html":"You may need to provide additional documentation if you’re self-employed.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"5-tips-for-finding-the-best-refinance-mortgage-lender\"\u003eHow to Choose\u003c/h2\u003e\n","tag":"h2","id":"how-to-choose","html":"How to Choose","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eSo many companies offer refinances! How can you be sure that you’ve chosen the\u003ca href=\"https://www.benzinga.com/money/best-mortgage-companies/\" data-lasso-id=\"48681\"\u003e best mortgage company\u003c/a\u003e for your needs? Use these 5 tips to get the best refinance mortgage possible.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"So many companies offer refinances! How can you be sure that you’ve chosen the\u003ca href=\"https://www.benzinga.com/money/best-mortgage-companies/\" data-lasso-id=\"48681\"\u003e best mortgage company\u003c/a\u003e for your needs? Use these 5 tips to get the best refinance mortgage possible.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"1-check-your-credit-score\"\u003e1. Check Your Credit Score\u003c/h3\u003e\n","tag":"h3","id":"1-check-your-credit-score","html":"1. Check Your Credit Score","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour credit score plays a crucial role in the interest rates you’ll see when you shop for a loan. If you haven’t checked on your FICO credit score in a while, be sure to take a look before you apply for a refinance. If you’ve been paying your mortgage loan on time every month, chances are that your score has gone up since you took your loan out. After checking, you can begin working on your credit score, paying down debt and preparing for the loan. \u003c/p\u003e\n","html":"Your credit score plays a crucial role in the interest rates you’ll see when you shop for a loan. If you haven’t checked on your FICO credit score in a while, be sure to take a look before you apply for a refinance. If you’ve been paying your mortgage loan on time every month, chances are that your score has gone up since you took your loan out. After checking, you can begin working on your credit score, paying down debt and preparing for the loan. ","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"2-know-your-loan-stats\"\u003e2. Know Your Loan Stats\u003c/h3\u003e\n","tag":"h3","id":"2-know-your-loan-stats","html":"2. Know Your Loan Stats","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour current loan balance and built equity will also affect the interest estimates you’ll receive when you shop. Contact your current mortgage lender and request information on your current loan balance and interest rate. This will give you an excellent jumping-off point to shop for a new loan.\u003c/p\u003e\n","html":"Your current loan balance and built equity will also affect the interest estimates you’ll receive when you shop. Contact your current mortgage lender and request information on your current loan balance and interest rate. This will give you an excellent jumping-off point to shop for a new loan.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"3-shop-around-for-lenders\"\u003e3. Shop Around for Lenders\u003c/h3\u003e\n","tag":"h3","id":"3-shop-around-for-lenders","html":"3. Shop Around for Lenders","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eDon’t be afraid to take plenty of time to compare mortgage refinance lenders. Each lender charges its own set of fees and sets its own individual interest rates. Compare a few lenders and request custom quotes from each will help you find the most affordable refinance possible.\u003c/p\u003e\n","html":"Don’t be afraid to take plenty of time to compare mortgage refinance lenders. Each lender charges its own set of fees and sets its own individual interest rates. Compare a few lenders and request custom quotes from each will help you find the most affordable refinance possible.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"4-browse-by-apr-not-interest-rate\"\u003e4. Browse by APR, Not Interest Rate\u0026nbsp;\u003c/h3\u003e\n","tag":"h3","id":"4-browse-by-a-p-r-not-interest-ratenbsp","html":"4. Browse by APR, Not Interest Rate\u0026nbsp;","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eWhen you shop for refinances, you’ll typically see 2 different percentage rates listed: your \u003ca href=\"https://www.benzinga.com/money/apr-vs-interest-rate\"\u003einterest rate and your annual percentage rate (APR)\u003c/a\u003e. Your interest rate is the base interest rate you’ll pay on your loan, while your APR is your interest rate plus any annual fees included on your loan. Be sure you’re comparing APRs (not interest rates) when you consider each refinance lender.\u003c/p\u003e\n","html":"When you shop for refinances, you’ll typically see 2 different percentage rates listed: your \u003ca href=\"https://www.benzinga.com/money/apr-vs-interest-rate\"\u003einterest rate and your annual percentage rate (APR)\u003c/a\u003e. Your interest rate is the base interest rate you’ll pay on your loan, while your APR is your interest rate plus any annual fees included on your loan. Be sure you’re comparing APRs (not interest rates) when you consider each refinance lender.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"5-know-how-much-cash-you-need\"\u003e5. Know How Much Cash You Need\u003c/h3\u003e\n","tag":"h3","id":"5-know-how-much-cash-you-need","html":"5. Know How Much Cash You Need","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eTaking a cash-out refinance? Know exactly how much money you need before you apply for a new loan. Consolidating credit card debt? Add all of your balances together. Get an estimate from a contractor before you fund a major home improvement. The last thing you want is to be stuck with an incomplete bathroom renovation because you underestimated the price when you took a cash-out refinance.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"Taking a cash-out refinance? Know exactly how much money you need before you apply for a new loan. Consolidating credit card debt? Add all of your balances together. Get an estimate from a contractor before you fund a major home improvement. The last thing you want is to be stuck with an incomplete bathroom renovation because you underestimated the price when you took a cash-out refinance.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/cta-placeholder","attrs":{"name":"acf/cta-placeholder","data":{"cta_placeholder_type":"secondary","cta_data":null,"has_placements":true,"placeholder_type":"secondary","widget":null},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"frequently-asked-questions\"\u003eFrequently Asked Questions\u003c/h2\u003e\n","tag":"h2","id":"frequently-asked-questions","html":"Frequently Asked Questions","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"acf/faq","attrs":{"name":"acf/faq","data":{"questions":[{"question_text":"How much do you need to save for a down payment?","answer_text":"\u003cp\u003eA down payment on a mortgage can range from 10% or 20% for a conventional mortgage, 3.5% for FHA loans or no down payment for USDA and VA loans.\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/?post_type=post\u0026p=57950","author":"","created_at":"2024-09-16","style":"default"},{"question_text":"What is a pre-approval?","answer_text":"\u003cp\u003eA pre-approval is a good way to demonstrate to a seller or agent that you can afford a home and the lender has approved your loan up to a certain amount.\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/?post_type=post\u0026p=57950","author":"","created_at":"2024-09-16","style":"default"}],"tailwind_layout":true},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","faq":[{"answer_link":"https://www.benzinga.com/?post_type=post\u0026p=57950","author":"","created_at":"2024-09-16","style":"default","question":"How much do you need to save for a down payment?","answer":"\u003cp\u003eA down payment on a mortgage can range from 10% or 20% for a conventional mortgage, 3.5% for FHA loans or no down payment for USDA and VA loans.\u003c/p\u003e\n"},{"answer_link":"https://www.benzinga.com/?post_type=post\u0026p=57950","author":"","created_at":"2024-09-16","style":"default","question":"What is a pre-approval?","answer":"\u003cp\u003eA pre-approval is a good way to demonstrate to a seller or agent that you can afford a home and the lender has approved your loan up to a certain amount.\u003c/p\u003e\n"}],"deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eKeep Reading:\u003c/strong\u003e\u003c/p\u003e\n","html":"\u003cstrong\u003eKeep Reading:\u003c/strong\u003e","tag":"p","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; rv:109.0) Gecko/20100101 Firefox/115.","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-rates\"\u003eCurrent Mortgage Rates\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-rates\"\u003eCurrent Mortgage Rates\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-refinance-tips\"\u003eMortgage Refinance Tips\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-refinance-tips\"\u003eMortgage Refinance Tips\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/when-should-you-refinance-a-mortgage\"\u003eWhen to Refinance a Mortgage\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/when-should-you-refinance-a-mortgage\"\u003eWhen to Refinance a Mortgage\u003c/a\u003e\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-rates\"\u003eCurrent Mortgage Rates\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-refinance-tips\"\u003eMortgage Refinance Tips\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/when-should-you-refinance-a-mortgage\"\u003eWhen to Refinance a Mortgage\u003c/a\u003e\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-rates\"\u003eCurrent Mortgage Rates\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/mortgage-refinance-tips\"\u003eMortgage Refinance Tips\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003ca href=\"https://www.benzinga.com/money/when-should-you-refinance-a-mortgage\"\u003eWhen to Refinance a Mortgage\u003c/a\u003e\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/5.0 (Windows NT 6.1; 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We gave weight to mortgage lenders who offer multiple loan types, have a closing window within 30 days or less and a minimum credit score of 620. We also favored mortgage lenders who have an online loan application ability and a mobile app. We included mortgage quote aggregators in some lists to make it easy for you to compare costs. \u003ca href=\"https://www.benzinga.com/money/personal-finance/benzingas-mortgage-lender-review-methodology\"\u003eReview the full methodology here\u003c/a\u003e. \u003c/p\u003e\n","html":"To determine the best mortgage lenders, Benzinga analyzed over 100 mortgage lenders and brokers. We gave weight to mortgage lenders who offer multiple loan types, have a closing window within 30 days or less and a minimum credit score of 620. We also favored mortgage lenders who have an online loan application ability and a mobile app. We included mortgage quote aggregators in some lists to make it easy for you to compare costs. \u003ca href=\"https://www.benzinga.com/money/personal-finance/benzingas-mortgage-lender-review-methodology\"\u003eReview the full methodology here\u003c/a\u003e. ","tag":"p"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cem\u003e\u003cstrong\u003eDisclosure:\u003c/strong\u003e\u0026nbsp;This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand’s conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement.\u003c/em\u003e\u003c/p\u003e\n","html":"\u003cem\u003e\u003cstrong\u003eDisclosure:\u003c/strong\u003e\u0026nbsp;This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand’s conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement.\u003c/em\u003e","tag":"p"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eDisclaimer: \u003c/strong\u003e\u003cem\u003eBenzinga is not a banker or lender (Information Provider). Leading Service Providers who participate with this website may have loan products that match your criteria. The information collected is NOT an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Benzinga simply refers you to Service Providers to help find the information you are seeking.\u003c/em\u003e\u003c/p\u003e\n","html":"\u003cstrong\u003eDisclaimer: \u003c/strong\u003e\u003cem\u003eBenzinga is not a banker or lender (Information Provider). Leading Service Providers who participate with this website may have loan products that match your criteria. The information collected is NOT an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Benzinga simply refers you to Service Providers to help find the information you are seeking.\u003c/em\u003e","tag":"p"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cem\u003eThere is no cost to submit a request, get matched with Service Providers and receive information or potential loan offers. Benzinga will not charge you, the consumer, a fee for its services. You may review the information from the Service Providers and talk to them at your own discretion. The Service Provider you choose may require a fee to process your request, but you may stop the process before incurring a fee. Who pays this website’s bills? The Service Providers. You are obviously responsible for paying any fees related to the information you are seeking that could result in a loan from the Service Provider.\u003c/em\u003e\u003c/p\u003e\n","html":"\u003cem\u003eThere is no cost to submit a request, get matched with Service Providers and receive information or potential loan offers. Benzinga will not charge you, the consumer, a fee for its services. You may review the information from the Service Providers and talk to them at your own discretion. The Service Provider you choose may require a fee to process your request, but you may stop the process before incurring a fee. Who pays this website’s bills? The Service Providers. 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INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR INQUIRY.","tag":"p"}]},"layout":{"settings":{"cache_max_age":0,"display_y_position":0,"show_author_credentials":false,"floating_cta_hide":false,"footer_hide":false,"hide_article_footer":false,"hide_article_header":false,"hide_navigation_bar":false,"hide_menu_bar_items":false,"simple_article_title":false,"hide_quotes_searchbar":false,"hide_sidebar_placement":false,"hide_sidebar":false,"hide_site_footer":false,"ignore_compare_products_popup":false,"is_root_path":false,"no_direct_partnership":false,"popup_delay":0,"popup_hide":false,"post_alternative_title":"","post_exclusive_partner":"","post_update_frequency":"quarterly","post_verified_by_user":null,"banner_text":"","banner_link":"","menu_location":"post"}},"surrogate_keys":"campaign:268132 campaign:57004 campaign:54357 campaign:179700 campaign:268132 campaign:48717 category:uncategorized page-type:best verticals:mortgages verticals:mortgage-refinance author:sarah-h post-id:57950","styles":""},"template":"money"},"__N_SSP":true},"page":"/[...slug]","query":{"slug":["money","mortgage-refinance-lenders"]},"buildId":"QxnXI8wkpkXYf1wXFOuO6","assetPrefix":"/money-build","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script></body></html>