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The personal loan offers that appear on this site are from companies from which GuideToLenders receives compensation. This compensation may impact how and where products appear on this site including the order in which they appear. GuideToLenders does not include all loan providers or all types of loan offers that are available.
GuideToLenders is not a loan provider but only matches you with lenders that may extend a loan to you. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. There is no guarantee that you will be approved for a loan or that you will qualify for the rates displayed. The offers and rates presented on this website are estimates based on information you submit to us. Your actual rates depend on your credit history, income, loan terms and other factors. Reasonable efforts are made to compile and maintain accurate information. However all loan rates and terms, including APRs, are presented without warranty and are subject to change by the loan providers without notice.
The lender must provide a Closing Disclosure to the borrower that outlines the final, actual terms of the mortgage including interest rate, closing costs and mortgage features at least three business days prior to the close of your mortgage. Prior to your mortgage closing, you should compare the Closing Disclosure with the Loan Estimate provided by the lender at the beginning of the mortgage process to ensure that your actual interest rate and closing costs did not increase significantly as compared to the Loan Estimate. For the example Closing Disclosure document below, we show a $380,000 fixed rate mortgage with an interest rate of 4.250% and the borrower pays total lender fees of $1,070.
There are typically minor differences between the figures provided in the Loan Estimate and the final figures provided in the Closing Disclosure. However, if there are meaningful discrepancies between the Loan Estimate and the Closing Disclosure and the final terms have increased significantly, then ask the lender for an explanation. You should cancel (also known as rescind) the mortgage if you are not satisfied with the lenders explanation and the discrepancies cannot be resolved. For a home purchase mortgage, you can cancel your loan at any time before you sign loan documents and you are free to work with a different lender. For a refinance you can cancel your loan up to three business days after signing loan documents during the right of rescission period.
In the example document, we show a scenario where the final loan terms as outlined in the Closing Disclosure essentially match the estimated terms outlined in the Loan Estimate. Always be sure to review the Closing Disclosure carefully before finalizing your mortgage. This document can help you confirm that you receive the loan terms you were promised when you submitted your loan application. Please note that this is an example Closing Disclosure document that should be used for informational purposes only.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.