| 1. |
How do I have Approved Loan
Professionals Compete for my business?
It’s easy. On the left, start by answering the
3 easy questions and click "start now". Then
fill out our short list of questions, this will allow
us to match you to the Loan Professionals that best
fit your personal situation. You can also contact LendEthics
1-888-491-4442 and complete a loan request over the
phone. LendEthics will not ask for your social security
number and we do not pull your credit report. |
| 2. |
What information do I need?
We ask general questions about you, your loan and your
situation. If you are refinancing, or looking for
a home equity loan or line of credit, we will need
to know about your current mortgage situation, such
as how much you currently owe and how much you want
to borrow. If you are purchasing a home, we will
need to know the approximate price range and down
payment, if any. |
| 3. |
Is my information safe?
LendEthics uses secure technology to ensure that the
data you send us is protected, confidential and secure.
Please see our Privacy
Policy & Security section for more information. |
| 4. |
Will you share or sell my
information?
At LendEthics, your personal privacy and the
security of your personal data are a primary concern
of ours. LendEthics believes that you should be aware
of who we are, the types of information we may collect
on our website, and what we do with your personal information.
Please see our Privacy
Policy & Security. Your information will be
shared with only LendEthics Approved Loan Professionals
with whom you are matched so that they can respond
to your request and will not be sold or shared with
any others. |
| 5. |
Why should I work with a
LendEthics Approved Loan Professional?
At LendEthics we believe that you should only work with
highly rated and approved Loan Professionals. With that
said, we don’t approve companies, we approve individual
Loan Professionals. We verify you are dealing with only
the best the mortgage industry has to offer. We also have our Zero-Tolerance
Policy which allows us to remove a Loan Professional from
our network if they do not perform to our standards. |
| 6. |
How will I find out which
Loan Professionals are reviewing my loan request?
You will receive an email from LendEthics with the names
of the Loan Professionals who best matched your loan request. This
email will provide you with the contact information and ratings
of each Loan Professional so you can see their ratings and read
their reviews from their past clients. |
| 7. |
Do Loan Professionals with
LendEthics deal with less-than-perfect credit?
Yes! We have Loan Professionals who work with
borrowers that have perfect credit and not-so-perfect
credit. Although we can't guarantee that you'll receive
funding through our network, we will match your loan
request with the Loan Professionals that best match
for your needs. |
| 8. |
Does having a co-borrower
improve my chances of finding a loan?
Ultimately it depends upon your personal situation,
if a co-borrower does improve your opportunity to secure
a loan, then our Loan Professionals will ask to include
information on your co-borrower. Your highly trained
Loan Professionals will help you choose what is best
for you. |
| 9. |
What if I don't qualify
for a loan?
If one of our Approved Loan Professionals cannot
qualify you for a loan, they will help you understand
what you need to do to qualify in the future. If we
can't find a Loan Professional that meets your needs,
we will notify you almost immediately. We are always
adding new Loan Professionals to our network, so you
may check back and re-enter your loan request at anytime. |
| 10. |
What if I don't have an email
address?
The technology system LendEthics has designed
will notify you via email that you have received a
response from our Loan Professionals. If you don't
have an email address, you can get one FREE through
web-based services such as Yahoo!, Google, your local
Internet Service Provider and many others. We also
provide phone applications and can navigate the process
by calling 1-888-491-4442. |
| 11. |
I've accepted an offer.
How do I close the loan?
After you accept an offer from one of our Approved
Loan Professionals, you will need to communicate with
he or she directly (via email, mail or phone) to complete
the loan process. The Loan Professional will explain
the process and any documentation you will need to
provide. You will also need to sign the official application
and disclosures from the Lender and schedule a closing.
Our Loan Professionals will guide you through their
quick and easy process. |
| 12. |
How can I check on the credibility
of the Loan Professionals?
Rated by the people. For the peoplesm.
We know that the best endorsement comes from people
who found a loan through LendEthics. Once we’ve
identified the four best Loan Professionals matching
your needs, you will have access to view previous customer
ratings on those individual professionals. If you are
working with another Loan Professional check to make
sure they have been
approved by LendEthics. |
| 13. |
What are your closing costs?
There are several ways to structure loans, and
unfortunately, we are unable to determine the amount
of closing costs or out-of-pocket closing expenses
until a loan offer is presented to you. At that time,
your Approved Loan Professional will discuss your specific
situation and will provide you with options in writing
without the worry of any “bait and switch” tactics. |
| 14. |
Do you still have a question
or comment?
Please Contact Us and
we will quickly respond with an answer. |
