Best Rate USA Mortgage is a direct lender that offer readily available immediate rate locks, in addition to a mortgage process that could have you closing your mortgage in 30 days! Since they’re a direct lender, they can afford to offer you absolute competitive rates on all your loan options; whether it be your conventional, your FHA, VA, JUMBO, or even HARP, Best Rate USA knows that mortgage is not a one-size-fit-all and with such a comprehensive suite of loan options to choose from, this will make moving into your dream home so much more efficiently.
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As soon as you are directed to Best Rate USA online mortgage page, you’ll be confronted right off the bat with a Pre-Qualification questionnaire asking you for those common income, loan amount, loan purpose and residents questions. Should take less than 3 minutes. Once you click submit, there’s no risk, no obligations attached. You’ll be getting a quote directly from Best Rate USA upon approval.
Whether you are buying your first home, or refinancing, BestRateUSA guarantees you a smooth process with their dedicated team of loan professional that work with you from start to finish. You can close your application in as little as 20 days.
Best Rate USA Mortgage Summary:
- Apply Now
- Account Type: Fixed, ARMs, FHA, VA, Jumbo, HARP, USDA
- Availability: Nationwide
- Expiration Date: None
- Additional Advise: Have the necessary documents and validation information ready to make your process as smooth as possible.
- Closing Loan: 30 days or less
Best Rate USA Mortgage Features:
- Direct lender with Fixed, ARMs, FHA, VA, Jumbo, HARP, USDA loan options available.
- Immediate rate locks available.
- Close in 30 days or less.
- Low rates, superior services
Best Rate USA Mortgage Basic Requirements:
- Credit Score (at least 620 Credit Score and ability to make at least 5% down payment on your purchase price.)
- Household income
- Job History
- Down Payment amount
Income Documents:
- Pay Stubs covering the customer’s most recent two pay periods for each applicant.
- W-2 Forms for the previous two years.
- Two most recent years’ federal tax returns (e.g. for a loan in 2015, the customer need to submit the customer’s 2014 and 2013 federal tax returns). All the pages and all schedules.
- If the customer is self-employed, the two most recent years’ business tax returns are also needed.
- For self–employed or investment income, the two most recent years’ 1099’s and K-1 forms are also needed
- For self–employed business income,year-to-date profit and loss statement and balance sheet.
- For retired customers, copy of Social Security and/or Pension “award letters” detailing the amount of retirement income.
Asset Documents:
- Two most recent months’ bank statements. All of the pages.
Other Documents:
- Homeowner’s Insurance statement(s) for all properties owned showing the customer’s coverage and the annual premium.
- Mortgage statements for all properties owned that have liens.
- Copy of driver’s license or State I.D.card for all customers.
- If divorced, the customer’s fully executed divorce decree.
Conclusion:
Best Rate USA offers more loan options than your typical online direct lender with even HARP and USDA loan programs, so if you’re in the market for a mortgage loan and you want a no hassle mortgage process that suits you, then Best Rate USA could be a viable option. Their season loan officers can get you closing and moving into your new home in even 20 days. You can proceed by applying now and talking to a loan officer, otherwise be sure to check out our Best Mortgage Rates for all of your mortgage needs!
