Pre qualify for a mortgage online with OverNight Funding Inc.

OverNight Funding can pre qualify you online. An online prequalification generally includes information about:

• The interest rate
• Monthly payment amount
• Down payment amount
• Fees

What you need to pre qualify with OverNight Funding Inc.

You can save yourself time in the prequalification process by preparing some information before you get started:

• Type of home and property value
• Type of loan you want
• How much down payment you plan to make
• Personal information (name, phone number, address, date of birth)
• Social Security number

Applying for your loan with OverNight Funding Inc.

Lenders usually ask you to provide:

• W2 forms for the past two years
• At least a month's worth of pay stubs
• Bank statements covering the past three months

After you're approved, you lock in your interest rate.

Streamlined options

Some lenders offer streamlined refinance options if you have an existing mortgage with them. This will eliminate much of the documentation needed.

Appraisal

A professional appraiser will complete an appraisal or property evaluation of your home. Depending on how recently you bought your home, you may not need a new appraisal.

Closing the deal

The closing on your refinance is similar to when you first purchased your home. This is the point when all the final papers are signed and any money exchanges hands. Make sure you ask to review all of your settlement documents at least one day before you sign them. Consider asking your attorney to review them, as well.