eLendingSaver.com is not a lender or a banker (“Service Provider”). Service Providers participate in our matching engine that may or may not have home loan or mortgage loan products available matching the criteria you submit via our quote form. The information collected is not an application for credit or a mortgage loan, and it is not used to pre-qualify you with any Service Provider. There is no cost to submit a loan request, get matched with lenders or to receive mortgage refinance quotes. You may review the loan offers and discuss them with the lenders at no cost. Of course, the lender you choose may require a fee to continue processing your loan request, but until you agree to pay the lender a fee, you may stop at no cost. eLendingSaver.com does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

About Our Advertised Rates***

Adjustable Interest Rates and Advertised Payment Terms

• Our advertised adjustable interest rates are based on a 5 year fixed ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term and are current as of May 21, 2013. This loan offers a fixed rate for the first five years, adjusting once a year thereafter.
• Example assumes a $160,000, 5-year Adjustable Rate Mortgage (ARM) with an initial fixed rate of 2.125% and $3,908 in lender fees & points due at closing. The Annual Percentage Rate (APR) is 3.005%. Rate is variable. The estimated monthly payment of $601 is fixed for the first 5 years and does not include taxes or insurance. After the first 5 years, the interest rate and payment will adjust every year.
• An Adjustable Rate Mortgage (ARM) is a mortgage with an adjustable rate that is amortized over 30 years.
• Your interest rate is fixed for the first 5 years of the loan repayment period, depending on the type of ARM you have.
• After the initial fixed-rate period, the interest rate could adjust every 12 months, depending on the product and the financial markets. The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may go up or down each year.
• Interest rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. In other words, if you’re initial interest rate is 4.5%, your rate will never be higher than 9.5%, and never rise more than 2% per year.

Other Information

• Actual mortgage payment will vary based on your situation and the current interest rates when you apply. Loans may carry closing costs and/or origination points.
  
• Not all consumers will be matched to a lender that is able to supply the advertised rates.
• Interest rate quoted assumes a maximum loan-to-value ratio of 70% on a primary residence and a minimum FICO score of 760.
  
• We cannot guarantee any specific interest rate or mortgage payment.
• May not be available in all states. Otherwise, no matter what state you live in we invite you to complete our form to be matched with lenders offering other programs in your state.
• Available rates and payment terms are subject to change daily without notice.
• Actual mortgage payment will vary based on your situation and the current interest rate when you apply. Not all consumers will be matched to a lender that is able to supply the advertised rates. Payment amounts shown do not include taxes or insurance.
• Rate and terms offered may vary depending on your credit history, income, amount of equity in the property, location, and type of property, and other factors and may have loan origination/discount fee due at closing.
• Payment amounts shown do not include taxes or insurance.The rates and terms you are offered are the responsibility of the Lender and will vary based upon your loan request as determined by the Lenders to whom you are matched. There is a possibility that you may not be matched with the Lender making this example offer.
• We do not check credit or require you to enter your social security number to use the services provided on this site. Once you have been matched with a lender(s) they may require a credit check in order to continue processing your loan application.

Fixed Interest Rates

• Example assumes a $160,000, 30 Year Fixed Rate Mortgage with a fixed rate of 3.875% with $740 in fees and points due at closing. The Annual Percentage Rate (APR) is 3.980% with a monthly payment of $752 (this does not include insurance or taxes). Our advertised fixed interest rates are based on a 30-year fixed-rate loan with a loan-to-value ratio of less than 80% and are current as of May 21, 2013.
• Loans may carry closing costs and/or origination points. Rate and terms offered may vary depending on your credit history, amount of equity in the property, property location, type of property, and various other factors.

We Provide Mortgage Refinance Quotes in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, 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, and Wyoming.

We offer quotes for all different types of home mortgage loans including: 15 Year Mortgage Refinance, 20 Year Mortgages, 30 Year Mortgages, Fixed Mortgages, Adjustable Rate Mortgages, Condo Mortgage Refinancing, and more.