Your FHA waiting period has passed.
Respond below to receive a detailed review of the benefits available on your loan and how to access them.
- Pay off high-interest credit cards
- Lower your total monthly payments
- Access the equity in your home
Move credit card balances into one payment at a far lower rate than your cards charge.
One payment in place of several can cut what leaves your account every month.
Turn part of the value you've built into cash for repairs, tuition or anything else.
Questions about your notice
Can I use my equity to pay off high-interest credit cards?
Yes. It's one of the main reasons homeowners respond. Credit cards often charge 20% or more. A cash-out refinance can pay those balances off and fold them into one mortgage payment at a much lower rate. We'll show you the monthly savings and the long-term cost side by side before you decide.
How much could I lower my monthly payments?
That depends on your balances, your current rate and your home's value. When several card and loan payments become one, the total you pay each month often drops. We'll work out your exact numbers on the call.
What are my equity reserves?
An estimate of the value your home has gained since you bought it. Your notice works it out from your original loan amount (the method is in the fine print), so your actual number depends on what your home is worth today. That equity belongs to you. You can leave it where it is, or put part of it to work paying down debt.
What does it mean that my waiting period has passed?
FHA requires homeowners to wait a set period before certain options become available, such as taking cash out of the home. Your notice indicates that period has passed on your loan. We'll confirm exactly which options are open to you.
What is the escrow refund?
When you refinance, your current loan is paid off. Your lender closes its escrow account and refunds what's left in it, usually within a month. The amount on your notice is an estimate. The payoff statement from your lender shows the actual balance.
What does it cost to respond?
Nothing. We review your loan, show you what's available and what it costs, and you decide. If none of it makes sense for you, we'll tell you that too.
Will responding affect my credit?
No. Responding doesn't involve a hard credit inquiry, and this page never asks for your Social Security number.
Is this from my mortgage company?
No. AAA Capital Funding is an independent mortgage broker, licensed in Florida since 1997 (NMLS #374739). Your current lender didn't send your notice, and neither did HUD or any government agency.
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Prefer to respond by phone?
If you have your notice, keep your Reference ID handy when you call.
Response received
- We review your loan, your equity and your current balances.
- A licensed loan officer calls you and walks you through the monthly savings, the cash available and the costs.
- You decide. There's no obligation.
- Your notice, if you have it
- Your most recent mortgage statement
- The balances you would like to pay off
