Morgage Loans - Frequently Asked Questions

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Q:What does it cost to submit an application for morgage loans? A:Nothing. You can submit a morgage loan application and become pre-approved for a loan without incurring any upfront charges. When you decide to proceed, fees may be charged to process and settle your loan. Q:All I want at this time is a mortgage rate. Why do you ask so many questions? A:We believe displaying general morgage rates is of little value. The actual rate one receives is dependant on many factors including one's credit history, assets and ability to take on additional debt. Lowest Mortgage Rates 4U focuses on the 4U part of our name. We attempt to connect you with the best resources based on your circumstances. To do this, we need to ask some questions.

Q:Do I need to pick the property I want to buy before I submit an application?
A:No, it's not necessary. We generally pre-qualify applicants in part to determine the maximum purchase price they can afford before they meet with the real estate agent. Most people prefer this option as it helps to narrow their search for a new home.

Q:I have some past or present credit problems?
A:We have helped many families obtain home morgage loans that have credit problems in the past or present. Many home loan programs for individuals with bankruptcies and other credit problems are available. The representative who contacts you after you submit a no-obligation application will be able to address your specific concerns.

Q:After I submit an application what happens next?
A:Once your application is submitted, a Loan Officer will be immediately assigned to your account and will be calling you with information concerning your loan.

Q:Does Lowest Mortgage Rates 4U help make loans in all 50 States?
A:Yes. We can help make morgage loans in all 50 States. We use local vendors for all the services required to make your loan.

Q:I've never applied for a mortgage over the Internet before?
A:More and more people opt for the convenience that the internet can provide. It's easy, fast and secure. Please give our no-obligation application a try. You'll be glad you did.

Lowest Mortgage Rates 4U is a website consisting of Internet based resources pertaining to various types of mortgage loans and services. Our goal is to provide our website visitors a starting point for their search. We are not mortgage brokers or morgage lenders. We simply provide a service to enable visitors to this website access to other independant websites. We do not recommend one provider over any other.