Why pay a big commission on your mortgage? You may not realize it, but you pay that commission indirectly through the interest rate. By replacing expensive loan officers with intuitive technology SELFi can pass the savings back to you. SELFi is not for everyone, it's only for homeowners seeking to save the most money on their refinance and are willing to apply online.
How? It's the combination of two things: 1) we receive wholesale interest rates which are not available directly from the lender; 2) because we empower you to shop and apply online, we operate at industry low margins and pass the savings back. 70% of our loans close in 20 days or less, fastest in the industry. We strive to educate, not sell. We do that with a mix of convenient online tools and quality 1-on-1 time with a licensed SELFi Mortgage Coach.
Unlike other mortgage sites, you don't get a million phone calls from aggressive sales agents. Instead, our site provide rate details and loan costs upfront, and our Mortgage Coaches break it all down for you.
How? It's the combination of two things: 1) we receive wholesale interest rates which are not available directly from the lender; 2) because we empower you to shop and apply online, we operate at industry low margins and pass the savings back. 70% of our loans close in 20 days or less, fastest in the industry. We strive to educate, not sell. We do that with a mix of convenient online tools and quality 1-on-1 time with a licensed SELFi Mortgage Coach.
Unlike other mortgage sites, you don't get a million phone calls from aggressive sales agents. Instead, our site provide rate details and loan costs upfront, and our Mortgage Coaches break it all down for you.
Services
We believe that consumers should be able to see customized and accurate interest rates online, without having to provide a phone number or email.
We believe in choice.
That consumers should have the option to get a mortgage on their own terms, whenever they want, and in return for being self-reliant, get the best possible deal.
Joseph started SELFi to help consumers save money and achieve financial freedom sooner.
Prior to starting SELFi, Joseph was a top producing mortgage adviser, recognized by Scotsman Guide magazine in 2017 and 2016.
We believe in choice.
That consumers should have the option to get a mortgage on their own terms, whenever they want, and in return for being self-reliant, get the best possible deal.
Joseph started SELFi to help consumers save money and achieve financial freedom sooner.
Prior to starting SELFi, Joseph was a top producing mortgage adviser, recognized by Scotsman Guide magazine in 2017 and 2016.
These are not the same rates they provide directly to you, or that are offered on most other websites.
These low interest rates are only available through SELFi - simply because we believe you deserve fair rates.
Our advice is to think about how long you anticipate owning your home and calculate the break-even point.
The longer you own your home and have this mortgage, the more you benefit from a lower rate.
Conversly, if you think you may sell your home in a few years, it's likely more beneficial to choose a rate that provides a lender credit.
These low interest rates are only available through SELFi - simply because we believe you deserve fair rates.
Our advice is to think about how long you anticipate owning your home and calculate the break-even point.
The longer you own your home and have this mortgage, the more you benefit from a lower rate.
Conversly, if you think you may sell your home in a few years, it's likely more beneficial to choose a rate that provides a lender credit.
These are not the same rates lenders can provide directly to you, or that are offered on most other websites.
These low interest rates are only available through SELFi.
Choose the rate you want, answer some questions about your goals, and a licensed SELFi Mortgage Coach will guide you through the process.
If you plan on owning your home for a long time and never refinance again, then you are better off choosing a lower rate and having closing costs.
Conversely, if you think you may sell your home or refinance in the near future, you are better off choosing a higher rate that provides credits to cover the closing costs.
These low interest rates are only available through SELFi.
Choose the rate you want, answer some questions about your goals, and a licensed SELFi Mortgage Coach will guide you through the process.
If you plan on owning your home for a long time and never refinance again, then you are better off choosing a lower rate and having closing costs.
Conversely, if you think you may sell your home or refinance in the near future, you are better off choosing a higher rate that provides credits to cover the closing costs.
The Mortgage Coaches at SELFi work 1-on-1 with you to answer your loan questions, find the best rates and loan packages, and help you make a great, informed decision on your refinance.
In addition to being the CEO of SELFi, Joseph is an active mortgage coach.
He is focused on providing tangible value to his clients: lower interest rates, more options, better advice.
As a lifelong idealist, Erica became an attorney so she could use her voice to effectuate positive social change.
Erica entered the mortgage industry having seen firsthand the devastating effects of the housing crisis through her private practice.
In addition to being the CEO of SELFi, Joseph is an active mortgage coach.
He is focused on providing tangible value to his clients: lower interest rates, more options, better advice.
As a lifelong idealist, Erica became an attorney so she could use her voice to effectuate positive social change.
Erica entered the mortgage industry having seen firsthand the devastating effects of the housing crisis through her private practice.
We strive to always be transparent, so no bait-and-switch or annoying sales calls here.
Below a list of who we work with and details about each, so you can be more fully informed about your mortgage process.
Detroit-based Quicken Loans, Inc. is the nations's largest mortgage lender.
In 2019, Quicken Loans closed $145B in loans.
Quickens Loans Mortgage Services is Quicken Loans wholesale channel where they work with 3rd party originators like SELFi.
As a Pinnacle Partner of Quicken Loans, SELFi members are able to receive benefits such as free credit improvement plans, lower interest rates, and free lock extensions.
Below a list of who we work with and details about each, so you can be more fully informed about your mortgage process.
Detroit-based Quicken Loans, Inc. is the nations's largest mortgage lender.
In 2019, Quicken Loans closed $145B in loans.
Quickens Loans Mortgage Services is Quicken Loans wholesale channel where they work with 3rd party originators like SELFi.
As a Pinnacle Partner of Quicken Loans, SELFi members are able to receive benefits such as free credit improvement plans, lower interest rates, and free lock extensions.
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