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  Intelliloan Mortgage Refinance

Intelliloan Mortgage Refinance

in Mortgage Refinance from Intelliloan · NMLS ID #3290

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Intelliloan Mortgage Refinance

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in Mortgage Refinance from Intelliloan · NMLS ID #3290

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Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 15 - 30 years

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 Mortgage Refinance is available in 31 states (and Washington, DC).

Key Takeaways
  • 3 different mortgage programs offered. Intelliloan Mortgage Refinance refinances FHA, VA, conforming, and conventional mortgages.
  • Financing for single-family and multi-family properties. However, Intelliloan does not offer financing for manufactured 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 homes, vacation homes, and even investment homes, such as rental properties.
  • 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
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Available in 31 states.
  • Charges an origination fee.
Intelliloan Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Intelliloan Mortgage Refinance?

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 mortgages refinancing with terms ranging from 15 to 30 years.

Does Intelliloan Mortgage Refinance charge a mortgage origination fee?

Yes, Intelliloan Mortgage Refinance will charge a loan origination fee.

Does Intelliloan Mortgage Refinance 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 Mortgage Refinance 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 Mortgage Refinance 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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Contact

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

Other Services by Intelliloan

Availability

  Available in 31 states and Washington, D.C.
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Iowa
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Nevada
  • New Jersey
  • New Mexico
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Credit Score Range 580 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Joint Loan Applications Accepted Individual Applications
Maximum LTV 80%
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Property Type
  • Manufactured/Mobile Home
  • Multi-Family Home
  • Single Family Home
  • Townhome
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Recent Bank Statements
  • Social Security Number
  • Driver License (or other photo ID)
Loan Term 15 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
Mortgage Programs
  • FHA
  • VA
  • Conventional Mortgages

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