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This is where online mortgage lenders come in. For the most part, these national lenders don’t have local offices. You’ll complete your pre-approval application online and submit documentation via email, fax, or mail. The best online mortgage lenders have top-notch customer service reps to walk you through the application process via phone.

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A home equity loan is a second mortgage that allows you to borrow against the value of your home. Your home equity is calculated by subtracting how much you still owe on your mortgage from the.

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Not all mortgage rates are created equal. Released in late 2015, Fannie Mae’s National Housing Survey found that 70% of recent homebuyers would like to obtain a mortgage quote online – and.

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