 |
What is ePacific Loan?
|
| |
ePacific Loan is an online loan center that connects you to our agents and lenders. A dedicated loan agent will assist you to fill out our loan application for free, and apply to the lender with the lowest interest rate to help you save money.
 |
|
What is an Accredited broker or Lender?
|
| |
An Accredited broker or lender is licensed to do business in your state and agrees to comply with the state's Department of Real Estate.
|
|
Does ePacific Loan charge any up-front fees? |
| |
No. No application fee policy guarantees your satisfaction. We invite you to apply now for free so you can determine the best term of loan you can apply.
|
|
What are your rates? |
| |
The rates are different for each lender and may fluctuate daily. Unfortunately we have no authority in this decision, as it is the decision of the lender. However, rest assured that by filling out our quick application form you will be offered the best rates for your specific situation.
|
|
How does ePacific Loan get paid? |
| |
In ePacific Loan service, we charge our client 0.5 point to 1 point of your loan amount. It can be pid by you or the lender. Lender will charge you a little high interest rate to give you cash. Then we get the point out of this cash.
|
|
Does ePacific Loan charge closing costs?
|
| |
ePacific does not charge you any closing costs. Each lender determines their own closing costs. Our agent will discuss your situation with them once your application filled in.
|
|
How long will it take to close the loan once I fill out the application?
|
| |
Typically the process may take anywhere from 2-4 weeks, although each offer may vary. The sooner you are able to verify the information that you provided on our loan officer the quicker your loan will be processed. The standard information that is usually required is: Pay stubs, W2s, tax returns for the last two years (potentially), bank account numbers and details of your long-term debt (credit cards, auto loans, child support, etc.), and home appraisal. If you are self employed you may also be required to provide financial statements for your business. Lenders want specific information. For example, the origin of your down payment will be queried.
|
|
How does the loan process work?
|
| |
A qualified agent will work with you to determine the best loan and interest rates available to you after s/he reviews your personal information and your credit report. You will receive a list of the documentation needed to complete your loan and once this is completed your final loan papers will be signed by you and you will have a date when the loan will be completed.
|
|
Will you share or sell my information?
|
| |
Your privacy and the security of your personal data is an important concern of ours. Under no circumstances will ePacificLoan sell or share any personal information about you to or with any person or organization other than our accredited broker/lender network, or as may be mandatory by law or court order.
|
| |
 TOP |
