Whether you’re purchasing a new home or looking to refinance, shopping for the best rate will save you money! Fill out this form to get connected with a lender who can help answer your questions and find the right program for you.

Do you own a home or are you looking to buy?

Have you or your spouse served in the military?


How much do you still owe on your home?

$260,000 - $270,000
$0 $2m+

What type of home do you live in?


Estimate how much your home is worth:

$340,000 - $350,000
$0 $2m+

Are you interested in taking up to $5,000 cash out?


What is your current interest rate?

Estimations are fine.

4.5%
0% 7+%

Who do you make your mortgage payment to?


What is your current loan type?


What is your credit score?

(Most people have "Good" credit)


Are you behind on your mortgage?


If you were to receive a cash offer for your house today, would you be interested in possibly selling?


Do you have $15,000 or more in debt?

Only include things like credit cards and unsecured personal loans.


What is your employment status?


Can anyone on the loan verify their income?


Where do you currently live?

Property values vary per area - this helps calculate the most accurate numbers

Street Address*

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Please enter a valid zip code (i.e. 90210)

City*

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State*

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First Name*

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Phone*

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City*

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State*

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Zip Code*

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Have you or your spouse served in the military?


When do you want to purchase your new home?


What type of home are you looking for?


What price range are you looking for a home in?

$250,000 - $260,000
$0 $2m+

What is your estimated down payment?


Are you working with a real estate agent?


Have you found a home?


Do you currently own or rent?


Who do you make your mortgage payment to?


What is your credit score?

(Most people have “Good” credit)


Do you have $15,000 or more in debt?

Only include things like credit cards and unsecured personal loans.


What is your employment status?


Can anyone on the loan verify their income?


Where do you currently live?

Property values vary per area - this helps calculate the most accurate numbers

Street Address*

Please fill out this field

Enter Zip *

Please enter a valid zip code (i.e. 90210)

City*

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State*

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What zip code are you searching in?

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City*

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State*

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Enter your information for personalized results!

First Name*

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Last Name*

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Email*:

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Phone*

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*By entering your number you consent to be contacted, including through automated means including but not limited to text messaging.

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State*

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Zip Code*

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IMPORTANT DISCLOSURES

If you do not agree to our terms and policies, then please leave this site immediately.

This site is in no way affiliated with any news source or government organization and is not a government agency. This website and the company that owns it is not responsible for any typographical or photographic errors.

Contents of this website are copyrighted property of the owner of this website. All trademarks, logos, and service marks (collectively the "Trademarks") displayed are registered and/or unregistered Trademarks of their respective owners.

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Resources:

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  • https://bosslegal.com/news-letter/
  • http://joenew.com/74-of-us-homeowners-now-have-at-least-20-equity-in-their-homes/
  • http://eyeonhousing.org/2017/03/home-equity-reaches-a-new-peak/
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What is "new" with the VA loan program for 2020?

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The VA loan program is not new, it has been around for years. What *is* new for 2020 is a few things that may help more Veterans get into VA loans or lower their interest rate if they currently have a VA loan. Here are just a few things that are "new" about the VA loan program in 2020:

2020 Loan Limits Announced - Same as FHFA Loan Limits

The 2020 Loan Limits (Effective January 1, 2020) for VA loans are the same as the Federal Housing Finance Agency's limits. Be sure to check your county for 2020 loan limits: http://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

VA does not set a cap on how much you can borrow to finance your home. However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a downpayment. These loan limits vary by county, since the value of a house depends in part on its location.

The basic entitlement available to each eligible Veteran is $36,000. Lenders will generally loan up to 4 times a Veteran's available entitlement without a down payment, provided the Veteran is income and credit qualified and the property appraises for the asking price."

Lenders Expanding Guidelines

The VA does not lend money, it only insures the loan made by the lender against default. The VA has a set of guidelines that loans must meet, but lenders also have their own set of guidelines (often called overlays) that many may assume come from the VA.

One of the requirements for the VA loan program that many lenders have is a minimum credit score. A minimum credit score is not officially required by the VA.

While not all lenders may require a minimum credit score, many lenders will require a minimum credit score in order to qualify for getting a VA loan.

It is important to note that it is entirely possible that one lender would require a minimum 680 credit score and another would require a minimum credit score of 620 and a third a minimum of 580.

The trend seen among many lenders is the lowering of the minimum credit score they require. Some lenders don't even require a minimum credit score.

This means if you have been turned down for a VA loan in the past, it may be possible for you to get a VA loan now - even though you have the same credit score as when you were turned down.

Because different lenders have different credit score requirements, we encourage you to shop many different lenders.

Reports Say VA Loans Save You More Money

According to data being compiled by industry experts, Veterans who get a VA loan statistically pay less for their loan. According to Ellie Mae (a software company whose software is popular in the mortgage industry) VA mortgage rates routinely beat the market rates by three-eighths of a percentage point ... or more.

Other Related Important VA Loan Information:

VA Loan Fact Sheet

If you are a Servicemember or Veteran with a permanent and total service-connected disability, you may be entitled to a Specially Adapted Housing (SAH) grant or a Special Housing Adaptation (SHA) grant. http://www.benefits.va.gov/HOMELOANS/adaptedhousing.asp

Great Infographic about the SAH grant

Most popular questions and answers about VA loans: http://www.blogs.va.gov/VAntage/17636/top-questions-va-home-loans-housing-grants/

Still Have Questions?

If you still have questions about the VA loan program, the best thing you can do is speak with a licensed mortgage professional at a VA approved lender. Reminder - each lender may have slightly different guidelines so our best advice is to speak with multiple licensed mortgage professionals who work at different lenders.

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TERMS AND CONDITIONS

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By registering and subscribing to this service you agree to the Arbitration Agreement terms contained herein and the following Terms and Conditions:

We provide SMS/MMS and telemarketing services for marketing campaign alerts and product updates. The SMS/MMS secure service is provided to consumers as ‘Next Steps Guide’ which delivers real time inquiry alerts and product updates.

Thunderbolt Rye does not charge for receiving text message alerts. Message and Data Rates May Apply. Check your text messaging plan with your carrier. For help, text HELP or email: admin@thunderboltrye.com.

Thunderbolt Rye will send you recurring text messages. To stop receiving text messages at any time, text STOP to 411411.

Registration/Subscription

A consumer may register for SMS/MMS by completing a short form inquiry or survey from a partner website. A confirmation of registration will be sent via text.

Unsubscribe, Stop & Help

To stop any service or unsubscribe at any time, text STOP to the short code or by emailing us at: admin@thunderboltrye.com, you must provide both the phone number and stop request in the email body or subject line. A help hotline phone number will be provided as well as an email for all questions.

Additional Message Details and Permissions

The mobile carriers participating in this campaign are:

AT&T, Verizon Wireless, MetroPCS, Sprint, Boost, T-Mobile, Alltel, Virgin Mobile, U.S. Cellular. Carriers are not liable for delayed or undelivered messages.

When registration is completed through a text or through one of our partner websites, you are providing consent that we may contact you through automated or pre-recorded means including but not limited to SMS/MMS and telemarketing, and you agree to these terms and of successful unsubscribing of program will be sent via text.

This consent allows Thunderbolt Rye to contact you even if you your telephone number is listed on any federal, state or corporate do-not-call registry. Your privacy is very important to Thunderbolt Rye, view full Thunderbolt Rye Privacy Policy here.

Completion of registration provides your consent to receive recurring text messages from Thunderbolt Rye to the phone number (including mobile numbers) you have provided. You understand and agree that your consent is not a condition, directly or indirectly of a purchase.

You may receive up to 3 messages per month. Thunderbolt Rye provides this service free; however, your mobile operator may charge standard and other text messaging fees for text messages sent and received.

All financial and product data provided is believed to be accurate at the time of delivery. Thunderbolt Rye denies any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or provided through Thunderbolt Rye Lender Alerts and makes no warranties, express or implied, with respect to such data or information.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

BY ACCESSING AND/OR USING ANY OF THESE SERVICES, YOU AGREE TO THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE THESE SERVICES OR SUBMIT ANY CONTACT INFORMATION OR SUBSCRIPTION IF YOU DO NOT AGREE TO THESE TERMS.

THIS AGREEMENT IS BINDING TO ARBITRATE ALL CLAIMS. YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. IF A DISPUTE IS ARBITRATED, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.

Review this section carefully. This arbitration provision limits your and our ability to litigate claims in court and both parties each agree to waive respective rights to a jury trial or a state or federal judge. You agree that you will not file any lawsuit against us in any state or federal court.

We strive to never have a dispute, but if we do, you and we agree to try for 60 days to resolve it informally. If no resolution results from this informal process, you and we agree to binding individual arbitration before the American Arbitration Association (“AAA”) under the Federal Arbitration Act (“FAA”), and not to sue in court in front of a judge or jury. As an alternative, a neutral arbitrator will decide and the arbitrator’s decision will be final except for a limited right of appeal under the FAA. Class action lawsuits, class-wide arbitrations, private attorney-general actions, and any other proceeding where someone acts in a representative capacity aren’t allowed. Nor is combining individual proceedings without the consent of all parties.

You agree that the Arbitrator will have sole and exclusive jurisdiction over any dispute you have with us. The Federal Arbitration Act allows for the enforcement of arbitration agreements and governs the interpretation and enforcement of the agreement to arbitrate.

If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that specific provision shall be of no force and effect and shall be severed, but the remainder of this Arbitration Agreement shall continue in full force and effect. No waiver of any provision of this Arbitration Agreement will be effective or enforceable unless recorded in a writing signed by the party waiving such a right or requirement. Such a waiver shall not waive or affect any other portion of this Agreement. This Arbitration Agreement will survive the termination of your relationship with us.

For all other inquiries regarding this service contact: Thunderbolt Rye at: 160 Greentree Drive Suite #101, DE, Dover, 19904. Or email us at: admin@thunderboltrye.com

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Privacy Policy

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PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.

IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SERVICES.

Your Privacy is Important to Us

We have created this Privacy Policy to inform you about what information we collect, how we use and share your information, and our privacy practices.

This Privacy Policy discloses the privacy practices of Thunderbolt Rye, and its affiliates and subsidiaries, (collectively “Thunderbolt Rye”, “we”, “us”, “our”, or “Company”) and governs the use of the this website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your” ).

The Information We Collect

We or our client network/vendors may collect two types of information: Personally Identifiable Information (“PII”) and Non-Personally Identifiable Information (“Non-PII).

PII - PII is information that identifies a specific user of the Services and is provided by the user.

For example: When we ask you to provide certain information about yourself. This information may include, but is not limited to: first and last name, physical address, email address, phone number and other information specific to the product in which you have expressed interest.

You do not have to engage in the activities in which you are asked to provide such information. But if you choose to do so, additional information may be requested, such as your first and last name,, email address or date of birth.

Non-PII: Non-PII is information that identifies your device and its navigational patterns through the Services (but not a specific user).

We may automatically collect Non-PII information when you use the Services, through the use of a variety of tools including cookies (small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer), or other available data analysis or collection technologies.

Requesting Your Information

We will permit you to request a copy of your PII that we have collected about you by emailing us at: admin@thunderboltrye.com.

You can also correct any factual inaccuracies in this information by emailing us at admin@thunderboltrye.com.

Using & Sharing Information

We use the information we collect to (a) provide, maintain, and protect the Services; (b) notify you of promotions, special events, new services and special offers, for example, through SMS; (c) tailor messaging, customer service and overall experience; (d) improve the content, operation, appearance and utility of the Services; (e) conduct surveys, research and evaluations; (f) troubleshoot and resolve disputes; and (g) accomplish other administrative tasks.

Third Parties: When you register for services through any client network websites, you explicitly authorize them to share your information with us so that we or third parties may contact you via, SMS and/or telephone. Specifically, at registration you agree to receive auto-dialed or pre-recorded calls (including to mobile numbers) and texts from Thunderbolt Rye and its affiliates, partners, and vendors to the phone numbers (including mobile numbers) you provided. - You understand and agree that your consent is not a condition, directly or indirectly of a purchase. Message and data rates may apply.

Your information, including your PII, may be shared with preferred partners/vendors. We may also sell your information, including your PII to other affiliated companies, and with other vendors and business partners. Some business partners include companies who provide business services to us or on our behalf, such as to market products or services to you, monitor Services activity, help to maintain our customer database, and administer e-mails, surveys or other contests.

Opt-Out: If you decide that you are no longer interested in receiving SMS or telephone communications from us, you may follow the instructions in our SMS to unsubscribe from our email list or by emailing us at: admin@thunderboltrye.com If you wish to opt-out and be excluded from our mailing list, please email us at: admin@thunderboltrye.com. As to communications from our preferred partners/vendors, affiliated companies, vendors and business partners, please follow the instructions to opt-out in those entities’ communications.

Legal Compliance/Other Information Disclosure: We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users of the Services or our affiliates. We may also disclose your information to manage and protect our information technology infrastructure and security. We may also disclose your information for any other purpose with your consent. We may share non-PII at any time for any purpose.

Opt Out, Unsubscribe or Revoke

You may revoke consent at any time for any use of PII collected from you under this Privacy Policy. To revoke consent, indicate by emailing us at admin@thunderboltrye.com with the word “revoke Personal Information” in the subject line. PLEASE NOTE: Data collected may be transferred to our preferred partners/vendors which takes place immediately, in real-time. Should you decide to unsubscribe, opt-out or revoke consent, your data may have already been sent to our preferred partners/vendors. We will remove your PII from our internal programs and further communication from Thunderbolt Rye will cease. We will notify any third parties of removal of your information as well.

Third Party Privacy Policies

This Privacy Policy only addresses the Services offered by us.

Other websites or services, such as those websites we provide links to, websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.

We are not responsible for the policies or practices of third parties.

Minors and Privacy Issues

Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of thirteen to use our service. However, if you become aware of the existence of a user who is under the age of thirteen, or that an individual under thirteen has provided their information to us, contact us immediately with details at admin@thunderboltrye.com . If you have been reported as being below thirteen by another person, we may request that you verify your age to us, including providing us a copy of your photo ID as a condition of your continued use of our service.

No part of the Services is designed to attract anyone under the age of 18.

Children under the age of 18 may not use the Services.

If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.

California Privacy Rights-We permit residents of the State of California to use our Service, and comply with the California Business and Professions Code §§ 22575-22579. If you are a California resident, you may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Various provisions throughout this Privacy Policy address requirements of the Californian privacy statutes. In summary, you must presume that we collect electronic information from all visitors. You may contact us at admin@thunderboltrye.com with any questions.

Security & Storage

We will retain PII, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.

We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control.

We require that preferred partners/vendors handle consumer information under confidential conditions.

Please be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services.

Although we have agreements and systems in place for third parties, we are not responsible for the actions of any third parties that may receive any such information.

Specific Industry Disclaimers

Financial Services- Please note that we are not a lender, mortgage lender, debt servicer, debt settlement, real estate company, credit repair company, insurance agent, auto sales company or automotive warranty organization. Our communications are not intended to be, any type of application for any financial product.

Once you have completed registration from a preferred partner website, your information will be sent to us. Our services will provide messaging for home goods and services you may have expressed interest in.

You have agreed that Thunderbolt Rye and it’s affiliates may contact you through (including through automated means; e.g. auto-dialing, text and pre-recorded messaging) via telephone, and mobile device (including SMS and MMS), even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. Specifically, at registration you agree to receive auto-dialed or pre-recorded calls (including to mobile numbers) and texts from Thunderbolt Rye and its affiliates, to the phone numbers (including mobile numbers) you provide to Thunderbolt Rye today or in the future and to any phone numbers subsequently associated with you by Thunderbolt Rye or its affiliates or marketing partners, affiliates or vendors. You understand and agree that your consent is not a condition, directly or indirectly of a purchase.

Licensed organizations are subject to Federal and State laws and regulations for their practices. We have no direct control over information handling practices within our network. However, we require companies within our network to refrain from disclosing confidential consumer information to third parties that are not affiliated with the application process.

Changes to Privacy Policy

We may change this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. The revised Privacy Policy will be effective immediately when posted on the Services We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.

You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically to learn of any revisions to this Privacy Policy.

Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.

How to Contact Us

If you have any comments or questions regarding our Privacy Policy, or to report abuse of any PII collected under this Privacy Policy, please email us at admin@thunderboltrye.com or write to us with your specific instructions at: Thunderbolt Rye Attention: Consumer Services, 160 Greentree Drive Suite #101, DE, Dover, 19904.

For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov.

Date last revised: May 31, 2019

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Next Steps Terms and Conditions

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Thank you for visiting our website mortgage.next-steps.net. ("Site"). By using and/or accessing the Site, you are agreeing to comply with and be bound by the following Next Steps Website Terms and Conditions ("Terms and Conditions"). These Terms and Conditions are inclusive of the Next Steps Website Privacy Policy ("Privacy Policy"), as well as those supplemental terms and conditions, policies, agreements and/or other applicable documents that are expressly incorporated herein. Please review the terms carefully. If you do not agree to the terms in their entirety, you are not authorized to use the site in any manner or form.

Next Steps does not charge for receiving text message alerts. Message and Data Rates May Apply. Check your text messaging plan with your carrier. For help, text HELP or email info@support.com. Next Steps will send you recurring text messages. To stop receiving text messages at any time, text STOP to 411411. Supported carriers include: AT&T, Verizon Wireless, MetroPCS, Sprint, Boost, T-Mobile, Alltel, Virgin Mobile, U.S. Cellular. Carriers are not liable for delayed or undelivered messages.

By opting into Next Steps, the end-user agrees to receive pre-written marketing messages from or on behalf of Next Steps via short code 411411, and understands that consent is not a condition of purchase or receiving services provided on this website.

Opt-in:

By Opting-in the user acknowledges and agrees to the Terms of Use, Privacy Policy. The user gives written consent and authorize Next Steps (Campaign) to send 3 messages per week including information regarding Next Steps upcoming events and services via sms / text messaging.

Privacy Policy: (URL to privacy policy)

Support:
Toll-Free: 800-000-0000
Email Us: support email

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Next Steps Privacy Policy Statement

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We take great precautions to keep the information you share with us safe and private. We will not disclose your Personal Information to any persons or entities outside of our company, nor lease, license, rent, transfer, disclose, disseminate or otherwise grant access to such information. We take commercially reasonable security measures to protect against unauthorized access to, or unauthorized alteration, disclosure or destruction of your Personal Information that you share and we collect and store.

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