Welcome to our website
Whether you're buying, refinancing or using your home's equity - We will help you find a loan with the best rate/point combination specific to your requirements and qualifications, as well as quote the most accurate monthly payment possible. This includes: interest rate, APR, loan terms & Closing Costs with No Surprises.
Fill in as little or as much of the form as you can - feel free to leave any item empty if you don't have the information handy. Of course, the more information you can provide, the more accurate your results will be.
There is no obligation, and we don't need your Social Security Number. We don't even need to check your credit to get started!
If you want a quote and don't have your info handy or need to explain a special situation, please feel free to use our
quick contact form.
Terms of Service and Privacy Policy
This request is not a loan application. It is simply a request for me to contact you. This is a convenient way to get things started with Month-Off.com. After you complete and submit this online request, I (Maureen Carrington) will contact you. I'll get to know a little more about your situation and can then provide you with a Good Faith Estimate and Truth-In-Lending disclosure.
This way you will have all the details up-front, before you enter the loan processing stage. If you are satisfied with the quote provided you may apply for the loan, lock-in the rate of interest and schedule the closing all at your pace.
- All information will remain safe and secure as the information submitted in this form will be used only for the purposes of your loan consultation as we only collect the information necessary to assess your financial situation and quote you personalized loan rates. Month-Off.com does not sell your personal information to third parties.
- No credit checks can or will be run by Month-Off.com without your prior authorization. By completing this form you are not authorizing Month-Off.com to pull your credit report or charge you any application fees.
| Property Value Please enter the contract price of the property if this is a purchase transaction, current home's estimated value if a refinance, or the "as completed" value of the property if this is a construction loan. |
| Property Will Be Select how your property will be occupied. Primary is a property that is occupied by the owner. Second home, or vacation home, is different from an investment property as it is not rented, but used occasionally by the owners. If you rent out your vacation home for any period of time at all, it's an investment property. Investment Property is a property that is not occupied by the owner and in most cases produces income or is held for gains from appreciation. |
| Loan Amount Please enter the amount you want to borrow. If you need help in estimating how much you can borrow, see our prequalification calculator in our resources section. |
| Total Gross Monthly Income Please enter the total monthly income for all persons applying with you. The income can be derived from several sources, but it must be supported by documentation and have a high likelihood of continuation. You can count as income not only your steady employment but also: Overtime bonus and commissions (average for two years); Net income from self employment; Social security, veteran's benefits and retirement; Alimony, child support and income from public assistance programs; Workmans's compensation or permanent disability payments; Interest and dividend income; Rental income after deducting expenses and debt payments; Notes receivable; Tax-free income; Income from non-U.S. sources; Income from trusts, partnerships, professional corporations and so on. |
| Total Monthly Debt Your regular monthly debts and obligations may include monthly payments on: Other real estate loans; Installment loans (bank loans, auto loans, tuition loans, etc); Revolving accounts; Child support and alimony paid to a former spouse. |
| Pre-Pay Info (Pre-payment penalty): Any payment of principle in excess of 20% of the original loan balance constitutes a pre-payment. If a pre-payment occurs as result of the sale of the property (Soft) no PPP is due. However, If a pre-payment occurs for any other reason, such as a as result of a refinance or a lump-sum principle reduction in excess of 20% of the original loan balance (Hard) the PPP is due. |
| Income Documentation: Full Doc: All income is documented using pay-stubs and W-2s for salaried borrowers and federal tax returns for Self-employed borrowers. Stated: Income is stated on the application, but not verified. Income that is stated on the application must be reasonable in terms of your occupation lenders usually verify that the borrower has assets that logically match the stated income. No Ratio: No income is stated on the application A No Ratio Mortgage is a useful option if you are carrying more debt than a traditional mortgage loan will allow. In traditional mortgage underwriting your debt to income ratio is one of the key factors in determining loan approval. Your debt ratio is calculated by dividing your total monthly payments by your monthly gross income. If your ratio is 40% or more, a traditional mortgage is very difficult without pristine credit and substantial reserves. With a No Ratio Mortgage, no income information is included with the application so no ratio calculations are made. NINA: "NINA" (No Income No Asset" loan. In this case, we will verify your employment, but again, no income or assets are on the application. No Doc: No documentation (income, assets or employment) is stated on the application. This is the product of choice if your asset or income is difficult to verify or if you simply do not want the "hassle" of traditional mortgage documentation. |
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INTEREST RATES CAN CHANGE WITHOUT NOTICE. ASK US FOR CURRENT RATE INFORMATION. BORROWERS AND PROPERTIES
MUST QUALIFY. CONDITIONS AND RESTRICTIONS MAY APPLY. Month-Off.com is a Mortgage Broker. Mortgage Broker
fees will apply unless stated otherwise.
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