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Frequently Asked Questions

Why do I need a credit report?

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Reviewing your credit report is the first step in the traditional mortgage process and allows both parties, the borrower and the lender, to determine what type of traditional loan you might qualify for.

Why should I consider refinance?

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People choose to refinance their homes for many reasons. If you are interested in lowering your interest rate, reducing your monthly mortgage payment or cashing out on your home equity, refinancing might a good option for you. Finance charges may be higher over the life of the loan.

In what states are you licensed?

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Open Mortgage is currently licensed in 45 states and the District of Columbia. Visit our Licensing page for a complete list.

What is the difference between a Mortgage Broker and a Mortgage Banker?

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Open Mortgage has been a Mortgage Banker for over ten years. When you work with a Mortgage Banker, you interact with the same people from the same company throughout the entire process – from application to close – ensuring special attention to detail. A Mortgage Banker approves the loan and can generally offer lower rates/costs and a quicker process. That is not always the case with a Mortgage Broker. A Mortgage Broker is a middleman that brings you to the lender who approves the loan, which could result in a higher cost for you.

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