Please note that by visiting, viewing, subscribing to home loan services of TheBestRefi, LLC, or remaining on the website of TheBestRefi.com, you hereby agree to the following terms of use:
Once TheBestRefi locks the interest rate that you and TheBestRefi mutually agree to in writing, we will gladly revise the locked rate lower, if during your loan process, and prior to your final loan signing date, interest rates move below your locked rate. Rate Lock Guarantee will become void if any requested documentation is delayed beyond 72 hours/3 days from the requested date.
TheBestRefi's Fast Score is a credit report update and rescoring service that is completed in cooperation with credco and credit agencies, such as Experian, TransUnion, and Equifax. This is a complimentary service for clients with approved and active loans in process with TheBestRefi. Necessary documents to update incorrect credit reporting is mandatory and dictated and subject to approval by credit reporting agencies. It is solely up to TheBestRefi to determine whether or not a credit re-scoring is necessary, based on underwriting requirements of any given loan.
Once a client of TheBestRefi, In case your needs change, as a repeat client of TheBestRefi, all of your future refinances will be free of all lender fees.
TheBestRefi, LLC eliminates appraisal fee risk to Veterans and FHA clients, by attempting to fund VA/FHA refinance loans as a VA or FHA streamlines, in case if the final property value for a VA or FHA Cash out loan is finalized lower by an appraiser than initially anticipated by the borrower and TheBestRfi, LLC. Furthermore, If for any reason, TheBestRefi cannot successfully obtain a final loan approval or fund your loan, TheBestRefi, LLC will refund your appraisal fee in full.
All estimated loan completion/funding time estimates may vary or change without notice, and it may result in you having to skip “One Monthly Payment” instead of “Two Monthly Payments”, as indicated on this website. Completion of your loan process may be influenced (improve or delay) by a combination of factors, such as:
TheBestRefi will only request documents that are required as part of your DU, FHA, VA or Freddie Mac loan approvals. All requested documents are transmitted to underwriters electronically through secured digital uploads via secured connectiosn for your identity protection.
All employment, income, and required documentations are verified by underwriting and processing staff, unless the loan type (such as a FHA Streamline Refinance or a VA no cash out refinance), does not require employment and/or income information.
The duration of interest rate locks are based on our assessment of the loan funding turnaround time, which could be anywhere from 15 days and up to 30 days. Once we lock your interest rate, time is of the essence and you understand that your rate lock may be jeopardized in case required documents, disclosures, or response are delayed. Shorter rate lock periods of our loans have a direct impact on us providing you the most competitive rates.
Rate locks are only in effect upon a written rate lock agreement, signed by the client and TheBestRefi in advance. Verbal and email requests by the client would no be sufficient for a valid rate lock.
All incoming or outgoing calls to TheBestRefi may be recorded or monitored for customer service, training, and/or compliance.
TheBestRefi, LLC does not charge any origination fees or discount points unless these events occur:
TheBestRefi only locks loans in the event that all required documentations have been received and reviewed for accuracy. All Rate Lock confirmations MUST be in writing between you and TheBestRefi and will clearly mark the locked rate, lock duration, and expiration. TheBestRefi may choose to lock rates for 15 days and up to 30 days, depending on the complexity of the loan.
Certain disclosures, as required by law, must have original “wet” signatures only. General disclosures, as permitted by law, may contain electronic signatures, as offered by third party vendors such as, Docusign. You may request to sign your disclosures without the use of electronic signatures.
Nationwide Mortgage Licensing System Registry# 1367277.
Licensed by the State of Florida - Division of Finance.
Licensed by the State of Washington - Department of Financial Institutions.
Licensed by the State of Colorado - Division of Real Estate.
Licensed by the State of Indiana - Department of Financial Institutions.
Licensed by the State of Oregon - Division of Financial Regulation.
Licensed by the State of Minnesota - Commerce Financial Instituations Division.
All content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel", and the operation of this website (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks, and you acknowledge and agree to not copy, reproduce, publish, create derivative, modify, adapt any web page. Logos, designs, along with marks and slogans appearing on this website, including but not limited to: TheBestRefi, LLC; Seeing is Believing; For your Best Loan yet; For What Matters Most; are trademarks of TheBestRefi,LLC.
If you make any unauthorized use of this website, or violate the Terms of Use, you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties and may be held responsible for damages caused to the company. You agree to indemnify TheBestRefi,LLC and its affiliates, vendors, and licensors, and all of the employees, officers, directors, and agents, against all claims and to hold all of them harmless from all costs, claims, damages, expenses, or other losses, including attorney fees and court fees that may arise from or are related to your use of this website or refinance services.
You agree that TheBestRefi,LLC, under no circumstance, will be liable to you or any other person or entity for any damages or injury, including any direct, special incidental, consequential, or punitive damages or any damages or injury caused by error, inaccuracy, omission, interruption, defect, failure or computer virus or other problem or transmission, failure of performance, delay in operation or transmission, or failure due to computer viruses or server crashes. The content of this website are provided on an “as is” basis and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, TheBestRefi,LLC disclaims all warranties. You acknowledge and agree that TheBestRefi,LLC shall not be responsible for this website, since our content may include inaccuracies or errors and could become inaccurate because of developments occurring after their respective dates, before we can update this website accordingly.