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Buy a Home with Confidence

BUY A HOME
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Considering Refinancing?

REFINANCE
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Whether you’re interested in a new loan or refinancing to take cash out, get a lower payment or shorten your mortgage term.

The Loan Portal lets you consolidate your communications into one easy-to-use location. With it, you have a secure, hassle-free way to apply for your home loan completely online. You can: Upload documents and track the status of your loan.
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Initial Disclosures

Initial disclosures are the preliminary disclosures that must be acknowledged and signed to move forward with your loan application. These disclosures outline the initial terms of the mortgage application and include federal and state-required mortgage disclosures. 

The most important items to keep in mind are the mortgage loan application, loan estimate, and program-specific disclosures. When you apply for a mortgage loan, the lender is required to provide you with initial disclosures within three business days of application. Initial disclosures let you know what you can expect in terms of cost, monthly payments, and loan structure.  While these terms are not final, they will not increase unless there is a legitimate change in circumstance.  

What is considered a change in circumstance?

The loan process, between application and closing, takes time. It’s likely that there will be changes along the way, and some changes may require ChangeMyRate.com to re-disclose. These changes could be things such as the appraised value of your home coming in higher or lower than expected a change in your income or credit, or any other item that would be related to finances. If any changes during your loan process result in a different loan cost, ChangeMyRate.com will disclose the updated terms within three business days.  

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