Important Disclosures. Please Read Carefully. This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where WhiteRockLoans. com does not have an available lender, you will not be connected to a lender.
In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps.
Refinancing a home loan is straightforward process. Providing there is enough equity in a home, a new home loan pays off an existing one and a borrower begins paying on a the new mortgage.
As the concept is the same across the United States, all states have rules each lender and borrower must follow on refinance transactions.
In Texas, the rules differ slightly from those enforced in other states. Cash-out Refinance Rules. In Texas, refinance transactions where borrowers wish to receive cash are limited to 80 percent loan-to-value (LTV). This means a new loan amount cannot exceed 80 percent of the value of a home.
Their customer service is always top notch and they truly care about their customers situations and well-being. I am proud to say I am a Check City customer and I would not have made it through some pretty tough situations without them. Check City is quick, convenient, fair and has the lowest fees of any company I have used. The Lehi location was amazing. Debbie always helps me when I am in a financial bind. She takes time to listen to my needs and even gives suggestions on how to manage my loans.