Got Questions On Refinancing?
If you are thinking about the possibility of obtaining a home mortgage refinance loan, you may have some questions ... including some very basic questions such as "what is refinancing?" You will be provided with valuable information about home mortgage refinancing here.

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Refinancing Basics
What To Consider
Refinancing Options
Refinancing Strategies
Refinancing Procedure
Miscellaneous Tips
Loan Shopping





Shopping for Loans: Online Lenders and Brokers

Home Mortgage Refinancing: An Overview of Online Services

One of the hardest things to shop for when you are choosing a lender is the online company. If you have decided in advance to go with an online broker or lender, you often must decide without the benefit of a face to face meeting with your representative. Although this can make it a bit more complicated, you can still make a good decision based on some rules of thumb.

Home Mortgage Refinancing Online: Professionalism is Key

First, if the website has a look about it that is unprofessional and fly-by-night, it probably is. A professional lender or broker will have the money to spend on a good website that looks attractive and not thrown together by a group effort of customer service reps and all three primary colors.

Home Mortgage Refinancing Online: Pay Attention to Ads at a Site

When you log onto the site, check first for an abundance of ads for other businesses. Although some may have Google Adsense links, lenders shouldn’t have to sell advertising on their websites to get by. Reconsider websites with these ads, and shut down websites that shove banner ads and popups in your face—especially if you can’t close them!

Home Mortgage Refinancing Online: Beware of Great Promises

If the lenders promise you something on the first page of the website, be suspicious. They can’t possibly know anyone’s financial situation, so making promises of the lowest rates for all applicants is just an outright lie. No lender worth applying to would have to attract customers in that manner.

Home Mortgage Refinancing Online: Helpful Resources

One good resource for recommendations is This site has countless sections and articles on almost anything you could want advice on, including online lenders. Simply do a search and you will have a list of articles. From there, find the links that offer a list of online lenders to check. Remember that you will also get a list of advertisers who pay for their ads—those are not the ones you want to check. Go down further until you get results for articles. Very likely there will be expert writers who have compiled a list of online lenders and brokers and their links.

Don't Forget the BBB

Even with online businesses you can check the Better Business Bureau—go to and search their site. Don’t skip this important step. Because anyone can say anything on the internet, it’s as important as ever to do your homework.

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