The refinancing conversation.

Ask the actual provider to explain the review process and relevant costs before discussing any specific recommendation.

THE ADVISER ARRANGEMENT

A clear role.
A separate decision.

Agreed in writing. The actual provider explains its scope, costs and appropriate process. No example here is a loan offer, affordability assessment or approval indication.

The general home plan

Describe the broad plan and the adviser questions you want to understand. Keep financial and identity records out of this public form.

The actual provider process

The appropriately authorized provider explains its role, fees, private information process and relevant next steps separately.

Tell us the general home plan and adviser questions you want to discuss. Financial and identity records belong in the actual provider’s appropriate private process.