Conventional
For Conventional loan payments with less than 3% down, please contact us.
*This Mortgage Calculator is being provided as a tool to calculate an estimated monthly payment. Taxes, Home Insurance, and PMI amounts are strictly estimated for illustrative purposes only. For a more accurate payment quote, including today’s Interest Rate and APR, please contact our office at (713) 626-5700.
What other 1stAlliance Clients are Saying!
Refinance Questionnaire
We appreciate the opportunity to help you with your interest in refinancing your home mortgage. Refinancing can be a great way to save you money on your mortgage or it can be a means to access the equity in your home. Either way, our goal is to assist you with making smart mortgage decisions as we find the loan options that make financial sense for you. In an effort to provide a thorough and accurate analysis of the costs and the savings that refinancing will entail, we ask that you please take the time to complete the following questions.
Upon submitting a loan application, we will retrieve your credit report, which subsequently acts as a “trigger” for other companies seeking new customers. Unfortunately, lenders, credit card companies, and insurance providers can acquire your data from the three major credit bureaus, Experian, Equifax, and TransUnion, turning you into what is referred to as a “trigger lead.” As a result, you may experience a surge in phone calls from other companies after applying. While triggers leads may be perceived as unethical by some, it is important to know they are legal and according to the Federal Trade Commission (FTC) and Consumer Finance Protection Bureau (CFPB), they are used to encourage competition among lenders and other companies. It is important to note that these solicitors do not have access to Personally Identifiable Information (PII). The information they receive from the credit bureaus only indicates that there has been a recent credit inquiry, enabling them to compete for your business.
Although it is not possible to completely halt trigger leads, you can adopt a proactive approach and opt out before you start receiving unwelcomed communications.
To prevent the credit bureaus from selling your information as a trigger lead, visit OptOutPreScreen and register. The registration process typically takes around five days to complete and will only affect future lead requests, meaning you may still receive some solicitations.
For the elimination of unwanted phone calls, you can register your phone number(s) on the Do Not Call Registry. We recommend initiating this process at least one month before applying for a loan since it can take a few weeks to become effective.
At 1st Alliance Mortgage, we value your privacy, and WE DO NOT SELL customer information to third parties. We safeguard the trust you have placed in us and maintain the utmost confidentiality and accuracy of that information. If you would like more information, please contact us directly at (713) 626-5700.
*OptOutPrescreen.com is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.