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Website pages
- PAGE · WILL MORTGAGE RATES COME BACK DOWN?
- PAGE · THE MORTGAGE PRODUCER
- PAGE · HOME
- PAGE · EXPLORE RATES
- PAGE · RATE ALERTS
- PAGE · AFFORDABLE PROGRAMS
- PAGE · PRO-QUOTE
- PAGE · REVIEWS
- PAGE · ABOUT US
- PAGE · CONTACT
- PAGE · FOR REALTORS
- PAGE · COMMON QUESTIONS
- PAGE · APPLY NOW
- PAGE · MORTGAGE CALCULATORS
- PAGE · PRIVACY & ACCESSIBILITY
- PAGE · HELOC
- PAGE · LOAN PROGRAMS
- PAGE · DREAM RATE
Forms & page sections
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- HOME / ABOUT / CONTACT · CONTACT CARD
- HOME · PURCHASE OR REFINANCE
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- AFFORDABLE PROGRAMS · AMI TOOL
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- HOME / ABOUT / CONTACT · CONTACT CARD
- FOR REALTORS · OPEN HOUSE
- FOR REALTORS · LISTING MARKETING
- HOME / ABOUT / CONTACT · CONTACT CARD
- FOR REALTORS · CLIENT REVIEWS
- HOME / ABOUT / CONTACT · CONTACT CARD
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- HELOC · PROS AND CONS
- HELOC · WHY THE ADS
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- NEXT STEPS
- PRO-QUOTE · SHARED ACROSS SIX PAGES
- CLIENT LOGIN · YOUR TASK LIST
- DIRECT SIGN-UP · Set Rate Alerts
- DIRECT SIGN-UP · Get a Pro-Quote
More resources
Individual mortgage questions (83)
- What’s the best place to start if I’m thinking about buying a home?
- What’s the difference between pre-qualification and pre-approval?
- Will checking rates affect my credit score?
- Should I get pre-approved before looking at homes?
- Can I talk to someone before completing an application?
- Who are Fannie Mae and Freddie Mac?
- How do I keep my rate dashboard up to date?
- Which debts should I enter in the qualification calculator?
- How do I update taxes, insurance, and HOA dues before downloading a closing cost PDF worksheet?
- Where can I see points and lender fees?
- How do I download a closing cost PDF worksheet?
- What should I enter for deferred student loans in the affordability calculator?
- What are mortgage points?
- What’s included in a monthly mortgage payment?
- What are closing costs?
- How do PMI, FHA mortgage insurance, VA funding fees, and USDA guarantee fees compare?
- What is mortgage insurance?
- Why do early mortgage payment and cash-to-close estimates sometimes vary between lenders?
- How should I compare mortgage quotes from different lenders?
- Is APR the best way to compare mortgage offers?
- How accurate are the rates and costs shown in Explore Rates?
- What does AMI mean, and how do I find the limit for my property?
- How much mortgage can I qualify for?
- What are the Three Pillars of mortgage qualification?
- What documents are usually needed for mortgage approval?
- Can I qualify for a mortgage with student loans?
- Should I pay off debt before applying or wait until closing?
- Does getting pre-approved guarantee final approval?
- Can I use rental income to qualify for a mortgage?
- Will Lendexa recommend changing applicants or the income used to improve our options?
- Why do I need to pay for my credit report upfront?
- Since I’m paying for my credit report, will I have access to it?
- What credit score do I need to buy a home?
- Will my credit score drop if multiple mortgage lenders check my credit?
- Should I pay off collections before applying for a mortgage?
- I have a credit report. Can I use it when applying for a mortgage?
- How long is a mortgage credit report good for?
- Will I have to refresh or run credit again prior to closing?
- Can disputed accounts affect mortgage approval?
- How do mortgage lenders calculate income for qualification?
- Can overtime, bonuses, commission, tips, or RSUs help me qualify?
- What is a written verification of employment (WVOE), and why do you need it?
- Why do you need year-end paystubs and the final paystub from a previous job?
- Can I qualify for a mortgage if I recently changed jobs?
- Can I qualify for a mortgage if I am self-employed?
- Can I qualify while relocating or before starting a new job?
- Do gaps in employment affect mortgage qualification?
- Can retirement income, Social Security, pension, or disability income be used to qualify for a mortgage?
- Can I qualify for a mortgage without using tax returns?
- Can I use income from a second job to qualify for a mortgage?
- What funds are needed to buy a home?
- How much down payment do I need to buy a home?
- Can I use gift funds for my down payment or closing costs?
- Why do lenders review bank statements?
- What are large deposits and why do lenders ask about them?
- Can cash deposits cause problems during the mortgage process?
- What are reserves, and do I need them to qualify?
- How much can the seller pay toward closing costs, and can credits cover my down payment?
- When should I consider refinancing, and how do I start?
- Should I choose a lower interest rate or lower closing costs?
- Should I lock my interest rate immediately?
- Can I refinance later if rates improve?
- Can I buy a home before selling my current home?
- What happens during the mortgage application process?
- How long is my pre-approval good for?
- What do I receive with my pre-approval?
- What happens once I am under contract on a home?
- What is a conditional approval?
- Why am I receiving a preliminary Closing Disclosure (CD) before closing?
- What does “Clear to Close” mean?
- What can visitors do with the open-house kiosk and QR codes?
- How does the open-house Home Improvement Giveaway work?
- How do I arrange an open-house kit, and what if it is already booked?
- What makes Lendexa’s pre-approval process valuable to Realtors?
- Where can I explore the loan programs Lendexa offers?
- How do I know which loan program is right for me?
- When should I use Rate Alerts vs. the Dream Rate tool?
- How accurate are the mortgage rates shown on the website?
- Will Lendexa match or beat another mortgage offer?
- Do you offer soft-pull credit reports?
- How long does it take to close with Lendexa?
- Will you always choose the lender with the lowest rate?
- What is the difference between a co-signer and a co-borrower?
- Why should I work with Lendexa instead of going directly to a lender?
- Can buy now, pay later accounts affect my mortgage approval?
- Will I see Vincent dancing in mortgage reels?
Rates and calculator questions
Local mortgage broker. Statewide service.
How Lendexa serves clients throughout North Carolina, South Carolina, and Florida
Understanding temporary buydowns
Pro-Quote consultation
Mortgage offer and consultation questions
Go directly to a calculator
More Common Questions
- What is a Pro-Quote, and what does the consultation include?
- Can you review my builder’s preferred-lender offer?
- What should I bring to my Pro-Quote consultation?
- How do biweekly mortgage payments help pay off my loan faster?
- How much faster can I pay off my mortgage with extra payments?
- Where can I find a simple mortgage calculator?
- How much is PMI?
- Where can I see today’s mortgage rates in NC, SC, or FL?
- Will mortgage rates come back down?
- Is a 3-2-1 buydown worth it—and who should pay for it?
- How do PMI, FHA mortgage insurance, VA funding fees, and USDA guarantee fees compare?
Foreign National investment loans
View programDSCR investment loans
Loan program questions
- Can I keep my current mortgage with a HELOC?
- Can I borrow again after paying down my HELOC?
- Is this HELOC rate fixed or variable?
- Do I have to take the full HELOC amount at opening?
- Will checking a HELOC offer affect my credit?
- How much equity can I access with a HELOC?
- What happens when the HELOC draw period ends?
- What fees or early-payoff costs apply to this HELOC?
- Can self-employed homeowners qualify for this HELOC?
- Are affordable mortgage programs only for first-time buyers?
- Can an affordable program help me buy with 3% down?
- How do I check the income limit for an affordable program?
- Is 3% down all the cash I need to buy?
- Can gifts or seller credits help with an affordable program?
- Do affordable programs still require PMI?
- Can I refinance with an affordable mortgage program?
- Will I need a homebuyer education course?
- Do I need U.S. credit or credit-reference letters?
- How do rental income and DSCR limit my loan amount?
- How do points and prepayment penalties affect my costs?
- Can the seller help pay my closing costs or points?
- What documents will I need as a foreign national investor?
- Does the property need to be titled in an LLC?
- Should I get qualified before shopping for a DSCR property?
- What is DSCR, and how is it calculated?
- Should I consider conventional financing before a DSCR loan?
- Can I qualify with a DSCR below 1.00?
- How much down payment and reserves do DSCR loans require?
- Do DSCR loans have prepayment penalties?
- Why does the lender choice matter so much for DSCR?
- Can first-time investors or short-term rentals qualify for DSCR?
- Does a DSCR property have to be titled in an LLC?
- What assumptions should I compare in a DSCR rate quote?