Lend Smart

Work one-on-one with a direct lender and home mortgage broker that will exceed your expectations. Our team is eager to work hard to ensure that you receive the best mortgage at the best price possible. If we dont have a product that makes the most sense for you, well connect you with a mortgage lender that does. Simplify your home closing process b... y choosing Lend Smart Its the smarter way of doing business. What is the difference between being pre-qualified and pre-approved? Pre-qualification is normally determined by a loan officer. After interviewing you, the loan officer determines the potential home loan amount for which you may be approved. The loan officer does not issue home loan approval therefore, pre-qualification is not a commitment to lend. After the loan officer determines that you pre-qualify, he/she then issues a pre-qualification letter. The pre-qualification letter is used when you make an offer on a property. The pre-qualification letter informs the seller that your financial situation has been reviewed by a professional, and you will likely be approved for a loan to purchase the home. Should I Refinance My Home? Find out if you can save money by refinancing your existing home loan at current interest rate levels. While a lower home interest rate will mean lower monthly payments and less total interest, refinancing a mortgage will also mean paying closing costs and in some cases, extending the life of the home loan. If the monthly savings exceeds these closing costs, refinancing your home is a good option.Read More