Mortgage & refinance

Understand the options. Compare the written terms.

Submit your request for Handvetted team review. Provider availability and timing are confirmed separately. A request is not a loan application, rate quote or credit approval.

Request a lender match How it works

Prefer to talk? Call (980) 454-9114.

Your request

Tell us what you are trying to do.

Step 1 of 1
One match. Never resold. Free for homeowners.
Questions for an appropriately licensed lender

Four financing options to compare.

Cash-out refinance

A larger replacement mortgage may release proceeds after paying the existing loan and transaction costs. Compare the new rate, term, total repayment and risks with keeping the current mortgage.

Home equity line of credit

A line of credit secured by the home may allow borrowing over time. Ask about variable rates, draw and repayment periods, fees and the effect of payment changes.

Home improvement loan

Compare the written APR, fees, repayment term and whether the loan is secured. Do not assume a product has a particular approval speed or fits the project because of its name.

Rate-and-term refinance

Ask the lender to calculate payment changes, closing costs and total cost over the period you expect to keep the loan. A lower monthly payment alone does not establish savings.

Licensing

State regulator information

  • North CarolinaNorth Carolina Commissioner of Banks (mortgage lenders and loan originators). Strong equity gains in Charlotte and the Triangle make cash-out refinancing and HELOCs for improvements common.
  • South CarolinaSouth Carolina Department of Consumer Affairs and Board of Financial Institutions (mortgage lenders and brokers). Growth markets like Greenville and the Charleston suburbs have built equity that homeowners tap for improvements.
  • GeorgiaGeorgia Department of Banking and Finance (mortgage lenders, brokers and originators). Metro Atlanta equity gains support cash-out refinancing and HELOCs for improvements and debt consolidation.
  • TennesseeTennessee Department of Financial Institutions (mortgage lenders, brokers and originators). Rapid appreciation around Nashville has built equity homeowners use for improvements.
  • VirginiaVirginia State Corporation Commission, Bureau of Financial Institutions (mortgage lenders and brokers). Compare financing using the property’s appraisal, existing loan and written lender estimates. Local home values do not determine individual eligibility.
Questions

Straight answers.

Does this request apply for a loan?
No. It records information for team review. Any later lender application, credit authorization, quote or approval is a separate process with that provider.
How should I check a lender?
Read the verification standard and confirm the matched business’s current credentials before hiring. Ask which checks were completed, when, and by whom. Confirm the license or registration appropriate to the company, individual and transaction.
Does it cost me anything?
Handvetted does not charge homeowners to submit a matching request. Participating businesses pay Handvetted for introductions. The professional sets its own prices and terms; compare the written proposal before hiring. Lending costs are separate; compare Loan Estimates and total repayment.
Is a lender available in my area?
Submit the property ZIP and request details. The state information on this site is a planning resource, not confirmation of a lender’s coverage or product eligibility.

Prepare your lender questions

Submit your request for Handvetted team review. Provider availability and timing are confirmed separately.

Request a lender matchHomeowners insurance