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  Lending.com Mortgage Refinance

Lending.com Mortgage Refinance

in Mortgage Refinance from Finance of America Mortgage LLC

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Lending.com Mortgage Refinance

Unaffiliated

in Mortgage Refinance from Finance of America Mortgage LLC

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Highlights
Loan Amount Up to $5,000,000
Loan Term (Years) 15 - 30 years

Lending.com Mortgage Refinance Review

Lending.com Mortgage Refinance is offered by Finance of America Mortgage LLC, a direct lender founded in 1994 and based in Horsham, PA. Lending.com Mortgage Refinance is available in 50 states (and Washington, DC).

Key Takeaways
  • 4 different mortgage programs offered. Lending.com Mortgage Refinance refinances FHA, VA, jumbo, conforming, and conventional mortgages.
  • Financing for a variety of property types. Offers refinancing for manufactured, single, and multi-family homes.
  • Standard interest rates types. Lending.com Mortgage Refinance offers adjustable-rate mortgages and fixed-rate mortgages.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for refinancing. However, Lending.com Mortgage Refinance does offer refinancing for primary and secondary homes (e.g. vacation properties).
  • Origination fees starting at $6,000.Origination fees are deducted from the loan amount, so take it into account when deciding how much you need to borrow.
  • Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for Lending.com Mortgage Refinance.
Lending.com Mortgage Refinance Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Offers financing for single family, multi-family, and manufactured homes.
  • Available in all 50 states.
  • Charges an origination fee.
Lending.com Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Lending.com 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. Lending.com Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does Lending.com Mortgage Refinance charge a mortgage origination fee?

Yes, Lending.com Mortgage Refinance will charge a loan origination fee of $6000

Does Lending.com Mortgage Refinance charge prepayment fees?

No, Lending.com 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 Lending.com Mortgage Refinance offer?

Lending.com 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%.
  • Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • 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 Lending.com Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Lending.com Mortgage Refinance allows the following property usage types: 

  • Primary home
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Finance of America Mortgage LLC

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee
Origination Fee ($) $6,000
Credit Score Range 600 - 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 Primary Home
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
  • Proof of Residence
  • Proof of Insurance
  • Government Issued Photo ID
  • Recent Bank Statements
  • Social Security Number
APR Starting at 3.956%
Loan Term 15 - 30 years
Loan Amount Up to $5,000,000
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
Mortgage Programs
  • FHA
  • VA
  • Jumbo

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