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Credible is an online based mortgage broker that specializes in mortgage refinance loans. Founded in San Francisco in 2012, Credible has a wide range of products to suit a wide range of borrowers, as well as providing educational content on a variety of lending topics. Credible has grown to be a reliable and well established way for borrowers to refinance their mortgage.
As a mortgage broker, Credible works to find you the best mortgage refinance rates. They have established themselves as a leader in the online field and boast excellent ratings: A+ on Better Business Bureau and a five star rating on Trustpilot. Thousands of satisfied customers have used Credible for their mortgage needs. Based on the information provided by the borrower, Credible will search through its database of lenders and find the best rate possible for a refinance. They offer a Best Loan Rate Guarantee, meaning that if the borrower finds a better rate elsewhere, Credible will pay them $200. They also have excellent customer service, and pride themselves on being a one stop shop from the beginning to the end of the refinance search process.
Credible is suitable for anyone looking to refinance their mortgage. They do work best for people with fair to excellent credit, and the best rates are provided with a higher credit score. Applicants must be at least 18 years of age, a U.S. Citizen or permanent resident, and they must be residing in the U.S.
The application process is quick and easy for Credible. The applicant will enter basic information about the loan type needed, and then Credible will provide lender offers. Multiple questions are asked during the application. These include:
Once lender options have been provided, the applicant can choose whichever rate and company works best for them. The application process with the company chosen may request additional documents and information before finally providing a solid number in terms of refinancing a mortgage.
Credible is a mortgage broker only, and is not a direct lender. The rates and terms are determined by the company the applicant chooses after completing a search with Credible.
Help And Support
Credible has a team of highly experienced specialists to help applicants every step of the way. The online application process is straightforward, but if additional assistance is needed, applicants can contact Credible via email, phone, or the chat service offered through their website.
Credible is a solid and well trusted option when it comes to searching for mortgage refinance rates online. They offer the best rates possible; they also provide exact rates, not averages, so the applicant knows exactly what to expect from each lender made available. Credible charges no fees to the applicant, and the process is risk free due to the fact they do not perform a hard credit check. Their online application is safe and secure, with ample support provided both on their website as well as email, phone, and chat. The lenders used are vetted by Credible, so the applicant can trust the information provided to them. Credible is a good choice for anyone looking to refinance their existing mortgage.
How do I know I am eligible for a refinance?
Credible searches for lenders based on the information provided by the applicant. As long as the information requested follows their guidelines, lenders will be offered. Individual lenders do have varying requirements for refinance.
Will my credit score be affected from searching for lenders?
No, there is no hard credit check to search for lenders through Credible.
How does Credible make money?
As a broker, Credible receives a fee when an applicant takes out a loan with one of the recommended lenders. This does not affect the offers provided or the rates.
Contact
Client Relations
1-866-540-6005
support@credible.com
Chat service
The chat service is located on the bottom right corner of all pages navigated to on the Credible website.
*average potential savings based on report from CNBC
