Last Updated: 04/18/2025
Intelliloan Mortgage Refinance
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in Mortgage Refinance from Intelliloan
Last Updated: 04/18/2025
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Highlights
Credit Score Range
580 - 850
Amount Range
Up to $3,000,000
Loan Term (Years)
15 - 30
Intelliloan Mortgage Refinance Review
Intelliloan Mortgage Refinance is offered by Intelliloan (NMLS #3290), a direct lender founded in 1993 and based in Costa Mesa, CA. Intelliloan are available in 31 states and Washington, DC.
Key Takeaways
- Only two mortgage programs offered. Intelliloan Mortgage Refinance refinances FHA VA conforming and conventional mortgages.
- Financing for a variety of property types. Offers refinancing for manufactured, single, and multi-family homes.
- Standard interest rates types. Intelliloan Mortgage Refinance offers adjustable-rate mortgages and fixed-rate mortgages.
- Considers personal use and investment properties. Refinancing available for primary residences, secondary homes (e.g. vacation properties), and even investment homes such as rentals.
- Maximum LTV. Intelliloan Mortgage Refinance has a maximum loan to value ratio of 80%.
- Fair credit accepted. Borrowers with a credit score as low as 580 may qualify for Intelliloan Mortgage Refinance.
Intelliloan Mortgage Refinance Pros & Cons
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Intelliloan Mortgage Refinance FAQ
What is the maximum loan term for a mortgage refinance via Intelliloan?
The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Intelliloan Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.
How long does Intelliloan take to refinance?
Intelliloan does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.Does Intelliloan charge a mortgage origination fee?
Yes, Intelliloan Mortgage Refinance will charge a loan origination fee .
Does Intelliloan charge prepayment fees?
No, Intelliloan Mortgage Refinance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.
What mortgage programs does Intelliloan offer?
Intelliloan Mortgage Refinance offers the following mortgage types:
- Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
- FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.
What property usage types does Intelliloan allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Intelliloan Mortgage Refinance allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
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Hours of Operation
Sunday
Closed
Monday
6:00AM - 8:00PM
Tuesday
6:00AM - 8:00PM
Wednesday
6:00AM - 8:00PM
Thursday
6:00AM - 8:00PM
Friday
6:00AM - 8:00PM
Saturday
7:00AM - 4:00PM