Frequently Asked Questions

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

If you are a Professional subscriber, click here for FAQ’s.

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!

Professional Subscription FAQ's

What payment methods do you accept for your premium subscriptions?
We accept Visa, MasterCard, Discover and American Express. For annual payments, we can accept checks and POs. Credit cards are our preferred mode of payment.
Is MortgageCS for professionals only?
MortgageCS offers professional users an unprecedented look into mortgages AND a platform for consumers too. Professionals, teams, and organizations subscribe directly and provide as a value-add to their consumers. Individuals can make use of our direct origination capabilities and ultra-competitive rates.
Will I have 24/7 technical support?
Absolutely. Our Help Desk is available 24/7 via live chat, telephone or email if you ever need technical support.
Will my users have access to mortgage education, trends and analysis?
MortgageCS premium subscriptions can include an extensive library of articles and videos that cover a wide range of topics, like rates, fees, the pros and cons of different types of mortgages, the application process, the closing process, etc. We designed the platform to be robust and collaborative. If you don’t get the answers you need, then just ask. We will add that information for you and all our members.
Do you offer a free trial?
Yes, all professional packages include in a no hassle free trial unless otherwise denoted on the signup form.
Can I cancel at any time?
You can cancel your subscription anytime from the billing dashboard of your MortgageCS account after paying any outstanding invoices. No hard feelings 🙂
Does MortgageCS originate loans?
MortgageCS launched a new business unit in 2019 devoted to originating mortgage loans. This particular division was created after careful consideration and feedback from our vast network of financial advisors.
Can I work with my existing loan officer(s)?
We love competition – it’s good for everyone in the end! Just invite your loan officer to join the MortgageCS community. We will verify their identity, activate their membership, and then you’re off and running.