Frequently Asked Questions

We’ve compiled answers to some of the most frequently asked ones below.

How is MortgageCS different than other online sites?
There’s a big difference. Most mortgage websites are really just marketing pages hoping to trick you into giving up your name, phone number, and social security number. And when you do, you give up your right to privacy too. They’ll sell your contact information to multiple lenders who will email and robocall for months. Yikes!

With MortgageCS you’re always in control as you get the details you need to make a decision. You’ll never experience a “hard sell” and you’ll feel comfortable knowing that your interests are always top of the list. You’ll even be able to chat with our licensed and bonded concierge team to learn about your options before starting the mortgage process.

Does MortgageCS charge any "upfront fees"?
MortgageCS does not charge any up-front fees for consumers, ever. Beware if you are asked for a fee or “insurance” before completing an application with a loan officer. No legitimate lender or broker will ever do this.
Why does MortgageCS need my credit score?
A credit score is needed to help determine which mortgage options may fit your specific situation best. Assuming accurate information, providing a credit score allows you to see real interest rates. You’ll avoid the lowball ‘bait-n-switch’ rate quotes you see in advertisements that always assume impossibly best case scenarios.
How do I compare loan offers?
Our licensed Mortgage Concierge Team is always available to create a custom range of loan offerings – focused on meeting your needs above all else. Consumers are always first at MortgageCS.
Am I obligated to accept an offer?
You are under no obligation to accept a loan offer that is presented to you. We’ll always respect you and your decision to continue with a particular loan program or forego a loan program. Unlike other mortgage websites and companies that make it impossible to “unsubscribe” we’ll never hassle you or bombard you with calls.
Do you have lenders who deal with less-than-perfect credit?
Yes, of course! We have many lenders who work with borrowers with less-than-perfect credit, difficult to prove income and even mixed-use (commercial-residential) properties.
Can you guarantee a specific interest rate?
During the loan process, you’ll have an option to lock in your interest rate. When this happens your specific interest rate can be guaranteed!
How will I find out about my loan offers?
You can always choose the communication method that is best for you. We love email and phone calls too. Heck, we’ll even text with ya if that’s best! When it comes time to receive an official loan estimate, you’ll always receive fully compliant documents – with esignature capabilities to save the forest and make the loan go super smooth!
I like an offer I've seen, how do I close the loan?
After you see an offer you like, you can simply let us know. We’ll walk you through the simple process of getting your loan done with MortgageCS.
How secure will my information be?
We go the extra mile to maintain your personal privacy and your online security. We’re licensed by banking regulatory agencies in every state where we operate and provide safeguards for the highest level of online security. Plus we put a safety net in place. We maintain comprehensive enterprise insurance coverage, including cyber-liability.
What are your closing costs?
As an independent mortgage broker, MortgageCS is committed to providing exceptional loan terms. Every mortgage situation is unique and each unique situation can elect to increase or decrease interest rates in exchange for higher or lower (even zero sometimes) fees! Providing custom mortgage solutions with no bias as to the structure of your loan ensures it “fits” best!