Rate Disclaimer

All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value.

Offer is based on a rate and term refinance 30 year fixed rate, with a credit score of 740, 60% loan-to-value, full documentation, owner occupied, single family residence, with a loan amount of $200,000. Payment quoted is principle & interest only, taxes and insurance are not including. Interest rates change daily; your exact interest rate will depend on the date you lock your rate. Additional restrictions may apply. 

Mobile Home loans - Offer is based on a rate and term refinance 25 year fixed rate, with a credit score of 740, 60% loan-to-value, full documentation, owner occupied, Mobile Home, with a loan amount of $200,000. Payment quoted is principle & interest only, taxes and insurance are not including. Interest rates change daily; your exact interest rate will depend on the date you lock your rate. Additional restrictions may apply. 

HELOC rate is based on a 30 year fixed rate, with a credit score of 780, 40% combined loan-to-value, full documentation, owner occupied, single family residence, with a loan amount of $100,000. 

‘No Closing Costs’ loans

Agency Conforming Fixed Rate Products. It is available on refinance transactions only. Billcutter will pay all of the Borrower’s closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount is $300,000. 

$1,000 Best Price Guarantee

Proof of a lower rate and payment, with same loan program, terms and costs. Quote must be in the form of a Loan Estimate on the same day your loan was locked with Billcutter, by a legitimate loan application approval from a national lender (as determined by Billcutter at its sole discretion), must be provided to us in writing via mail at 3857 Birch Street # 325, Newport Beach, CA 92660 within 30 days of your loan closing with Billcutter. This guarantee is only available on purchase or refinance, FHA, VA and Agency Conforming first trust deeds loans. Borrowers credit score must be 640 or greater with a minmum loan amount of $300,000. This guarantee is NOT available on Down Payment Assistance Loans, Non-QM, Jumbo, Hard Money, Private Money, Home Equity Lines of Credit, Home Equity Loans, Reverse Mortgage, Chattel Loans, Mobile Home loans, etc...

Free Refinance Guarantee 

For up to 3 years after we do your loan, if you want to refinance for any reason with Billcutter, we will waive our loan processing fee. 

Home Mortgage Disclosure Act (HMDA)

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at Billcutter Inc., 18952 MacArthur Blvd. Ste 100, Irvine, CA 92612 regarding the location where HMDA data may be inspected. The Housing Financial Discrimination Act of 1977, California Fair Lending Notice It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

– Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice.
– Race, color, religion, sex, marital status, national origin, or ancestry.

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

The Department of Financial Protection & Innovation
320 West 4th Street Suite 750
Los Angeles, CA 90013-2344

Current CA Advertising:

Advertised rate is available for rate and term refinance loans with a loan amounts between $200,000 – $417,000. Home must be owner- occupied and owner owns no other properties. Minimum fico credit score is 740 and maximum LTV is 60.00% with no subordinate financing. If these factors are not met, you may qualify for a loan but higher rates may apply. Subject to underwriting approval. Not all applicants will qualify.