How Rates Are Hot Works

How It Works

It is very important for the consumer, the customer and the researcher, to know how we operate. If you have any questions please click the chat now button on our homepage and chat live with a representative.

About Our Site

One of the advantages of using RatesAreHot.com is that we do NOT require a social security number. However, we will need you to provide a history of payment habits. If you absolutely cannot estimate a credit score for us or a payment history , then we will refer you to an affiliated lender/partner that will help you obtain that information. Please remember our site is about pre-qualifying. In order to do this, there will be certain pieces of information that we will need during the application process. It is very important that the information given is accurate.

RatesAreHot.com is about empowering the consumer. As you provide the necessary information during the application process, you will then see an amount that will be generated based off of the information given. Just know that when you complete the process online and hit the submit button, you will know that magic pre-qualifying number before the bank does. The bank doesn't tell you, you tell them!

Once you receive your pre-qualifying number, you will have to take that number to a bank and have them start the process. Please remember that with your permission, the bank will need to validate the information and pull your credit scores and payment history in order to lend you the money.

Read on to see how RatesAreHot.com helps you find that qualifying lender.

At RatesAreHot.com, we think its time for you to take control of your finances. By taking control of your finances you are being empowered. Don't allow others to have control of your money, your payments or your finances. After filling out our online application, you will again receive your magic pre-qualification number. You can meet with a Realtor and tell them your number and begin searching for your dream home, or tell the bank how much money you qualify for. Nobody has to tell you, you tell them.

RatesAreHot.com will help you find a respectable lender with our lending/client network. We thoroughly research our lending/clients and search out the best of the best. We have over 27 combined years experience in this business. Please know that when you are dealing with us, we are doing our best to see to it that you are only getting rate quotes from people that are telling the truth.

These lenders compete to give you the best rate and program available and respect your current situation. Please review our website that provides many resources to help all consumers that are going through hardships, especially in today's economy.

Please check back regularly for our newletters, tips and advice.

Thank you for visiting ratesarehot.com.