You can contact our 24-hour customer connection line at 716-625-7700 or 1-800-439-8230 toll-free.
Yes. We take a number of factors into consideration, including your current income and willingness to pay, in addition to your credit history.
There is no required amount, but if your down payment is less than 20 percent, you may need to purchase private mortgage insurance.
We need to verify your employment, income and assets, so you will usually need to submit:Your Social Security numberPay stubs for the past 2–3 monthsFederal tax returns for the past 2–3 years, including W-2 formsA complete list of current debt, including credit cards, car loans, and student loansA signed contract of sale if you have chosen the home you want to buy
We need to verify your employment, income and assets, so you will usually need to submit:
People typically refinance when mortgage interest rates have gone down or the market value for their home has grown substantially.
They can vary based on a number of different factors, but generally speaking, they are significantly less than the fees surrounding an original mortgage.
Yes, as any loan application, we will make an inquiry with one of the three major credit reporting agencies. Each inquiry temporarily affects your credit score.
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