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The New Age of Mortgage Applications

by Craig Romero, Mortgage Analyst, www.wisemortgageinfo.com

In today’s day and age, the world is at our fingertips, literally. Every day more and more people are getting online and using the internet to do things they used to have to leave the house for. Computers are being used for everything; from tasks as small as researching homework projects to processes as large as buying homes. If you’re a computer user who’s looking to buy or refinance a home, you may be surprised to learn that the days of having to visit your local lending office for your mortgage are long gone.

If you’re in the market for a mortgage, you may want to consider looking into using an online mortgage broker. There are a number of benefits to using this method of finding a mortgage. You can apply for your mortgage at your own convenience, the application process tends to be shorter, there are normally no application fees required, and the sites often offer tools needed to figure out what you qualify for and how much your monthly payments will be.
Because the application process occurs online, you can go to the website when you choose; 24 hours a day, seven days a week. This enables consumers seeking a mortgage to be free of the time constraints imposed on them by working with brick and motor lenders that adhere to scheduled business hours. There is no need to take time off of work or out of your already hectic schedule to apply for a mortgage when all you have to do is visit a single website in your spare time.

Another benefit of using an online mortgage broker is that often, the lenders the broker represents will compete for your business and you can see the different rate quotes that you are being offered. This allows you to choose the mortgage that is best for you and gives you more control over the entire process.

However, it is important for consumers to remember that the Internet is a big place, and a place where many predators like to take advantage of honest, hardworking consumers. If you do decide to pursue your mortgage online, make sure that you work with a reputable broker to avoid the problems that can occur if dealing with a less than reputable individual or firm. There are signs to look for to make sure you are dealing with a reputable company. Check with the company’s local BBB or the online BBB to make sure there are no complaints against them. Also, if a broker wants you to pay them to apply online, steer clear of them. The actual online application should be free of charge.

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