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Rates, costs & fees

Will my rate change from the rate I was offered?Will I need mortgage insurance?What's a Loan Estimate (LE)?What is included in my monthly loan payment?What fees and costs can I expect with Beeline?What does it cost to get a loan from Beeline?What are points and credits?How much should I allow for closing costs?How is Beeline able to offer such low rates?How does Beeline work out my interest rate?How do I know the payoff amount of my current home loan?Does Beeline charge an origination fee?

Beeline Basics

Will Beeline service my loan?Why does Beeline exist?Where is Beeline available?How is Beeline able to streamline the process so much?How does Beeline work?Who’s behind Beeline?How much faster is Beeline compared to other lenders?Where is Beeline located?Is Beeline safe to use?How is Beeline different to other lenders?Why should I use Beeline?What's Beeline?Is Beeline a lender?

Applying with Beeline

Will Beeline be sharing or selling my personal information?Where can I sign in to my Beeline profile?What is a Beeline Profile?What do I need to apply?What do I need to apply the manual way?I don't know how much I can afford, can I still get a purchase-ready approval?How much down payment do I need?Does a human look at my bank transactions?Do I have to talk to someone or can I fly solo?Do I have to apply in one session or can I stop and pick up where I left off later?Can I use Beeline if I'm self-employed?Can I use Beeline if I’m applying with someone else?Can I get a purchase or refi-ready approval even if I'm not sure I'm ready to proceed?Am I committed to Beeline when I get a purchase or refi-ready approval?

Credit

Will applying with Beeline affect my credit?What is a hard credit check?What if I think my credit score is incorrect?What if I don't recognize a credit line that's listed on my report?What happens to the credit score if I’m buying with a co-buyer?What credit score do I need to get approved?Is my credit score too low to apply?How does my credit score affect my home loan?How do you choose which credit score to use?How do multiple credit checks work?How do I contact the credit bureaus?How can I get my credit report?

Purchase-Ready Approvals

Will a realtor take a purchase-ready approval more seriously?Why is a purchase-ready approval better than a normal pre-approval or pre-qual letter?What is a Purchase-Ready Approval?Is it free to get a purchase-ready approval?How long does my Purchase-Ready Approval last?How long does it take to get a purchase-ready approval letter?

Purchasing

Why is Beeline's closing process so much faster than other lenders?What if I'm not working with a realtor?What if I don't have a home picked out yet?How much can I borrow?How long does the purchase process take?

Choosing your loan

Why do I need to lock a rate?What if rates go down after I've locked?What if my lock expires before my loan is closed?What does ‘locking’ a rate mean?Can I choose a different rate or loan product after I lock?

Appraisal

Why do I need an appraisal?How long does an appraisal inspection take?How does Beeline do appraisals?Can I use or transfer a recent appraisal?

Investing

What's the minimum credit score I need for an investment property?What's the maximum loan to value ratio (LTV) for an investment property?What loan terms do you offer for investment properties?Do you offer interest-only options for investment properties?Do I need to verify my personal income for a Debt Service Coverage Ratio (DSCR) loan?Can I borrow through my LLC?

Types of loans

What type of home loan is best for me?What kind of loans can I get with Beeline?What is the difference between a fixed-rate and adjustable-rate mortgage (ARM) loan?What is an FHA home loan?Does Beeline do VA or USDA loans?Does Beeline do Texas Cash Out Home Equity Loans?Does Beeline do Jumbo loans?Does Beeline do HELOCs or second mortgages?Does Beeline do construction loans?Can I use Beeline to buy an investment property or second home?Can I use Beeline to buy a mobile or manufactured home?Can I use Beeline to buy a condo?Are there loans available for a first-time home buyer?

Refinancing

What kind of refinance loans can I get with Beeline?What is a refinance?Does Beeline charge prepayment penalties for refinance?Can I use Beeline to refinance a second home or investment property?Can I use Beeline to refinance a mobile or manufactured home?Can I use Beeline to refinance a condo?Can I get a home equity line of credit (HELOC) with Beeline?

Your Beeline Loan Guide

What does a Loan Guide do?How do I reach my Loan Guide?Do I need a Loan Guide?

Title & Closing

How fast can Beeline close my loan?