Rate Rabbit Home Loans provides a fee GUARANTEE with every loan when the loan is locked, not just an estimate. For refinances, we provide a total fee estimate and guarantee the total costs of your loan, including all lender and third party fees. On purchases, we guarantee the lender fees, not other third party fees and costs, such as title costs, inspection fees and recording fees.

Some lenders will often lowball third party costs, which they can't be held to because they are "estimates." Sometimes they may even mark up the costs as they see fit and keep the difference.

These practices usually occur off-line because details on third-party costs are typically not provided until the applicant receives the Loan Estimate, which is not given to the applicant until three business days after the lender has received the loan application.

Rate Rabbit Home Loans gives you the fee Guarantee upfront and takes the "estimate" out of the Loan Estimate.

Note, the fee Guarantee does not incorporate the following, which are still the responsibility of the borrower at closing:

• Pre-paid interest
• Tax and insurance escrows
• Increases in fees as a result of changes requested by the applicant, such as loan program changes, loan amount changes, etc.

Simply Apply Now and find the loan program that's right for you. Complete the application online or call one of our non-commissioned loan consultants at (888) 395-0395 to walk you through the process. It's that easy.

Rate Rabbit Home Loans provides an encrypted, secure site so you can be sure that your information is not being exposed. We also never, ever, sell, rent or give away your personal information to any third party that is not connected to the loan process. But we understand, if you prefer to get us your documentation a different way, we would be more than happy to take that way. Just talk to your Loan Consultant for more information.

At the point that you Apply with us, begin to gather documentation that will help us to quickly process your loan. These documents include:

• Pay Stubs for the last 30 days
• W-2 forms for the last 2 years
• Bank Statements or other documents that will verify where the down payment and closing costs will be paid from for Purchase Transactions.
• Prior two years of Tax Returns

You should also prepare your home for the appraisal if you are going to Refinance your home.

• Pay Stubs for the last 30 days
• W-2 forms for the last 2 years
• Bank Statements or other documents that will verify where the down payment and closing costs will be paid from for Purchase Transactions.
• Prior two years of Tax Returns
• Additional Documents Required as Part of the Mortgage Loan Process

The appraisal is done to determine the value of the home you will be purchasing or refinancing. This value is used to determine eligibility for certain programs. It will also help to avoid you paying too much for a home that is not currently worth the price it is selling for. If you are refinancing, the appraisal will determine the amount of cash you can take out for updating your home. This report is very important and can affect your loan.

No, this is not permitted. Fannie Mae place an Appraiser Independence Requirement (AIR) and has very specific guidelines to ensure the inspection and the value are completely unbiased. For that reason, an appraisal must be ordered following those guidelines.

Because your appraisal is so important, it is always best to prepare your home before the inspection. Below are some basic items to consider before your inspection. If you are unsure, please contact your Loan Consultant and they will be happy to help you.

Points are a way to lower your interest rate. Each point is equal to 1% of your mortgage amount. Because everyone has different goals and needs, it is best to discuss points with your Loan Consultant. They will help to determine if you should consider paying points or not and will make sure that your decision is in line with your specific goals.

We offer you the ability to get notifications when the rate drops below a certain point. Simply sign up for our Rate Notification program and let us keep track of it for you. Once the rates drop to the level you desire, we will contact you via email. At that point, you just need to Apply for the rate of your choice or call us at (888) 395-0395 to speak to one of our Loan Consultants. Yes, it's that simple.