CloseYourOwnLoan.com provides access to thousands of loan programs and a variety of mortgage loans and refinance options. They offer such options as VA, FHA, HARP, Jumbo, and conventional loans with fixed and variable interest rates. Since they can match borrowers with several different loan programs, their terms are also quite varied, ranging from 10 to 30 for fixed rate loans and three to seven years for adjustable rate mortgages.

CloseYourOwnLoan.com's online mortgage application is simple and requires minimal information from the consumer at the start of the process. Prospective borrowers looking to refinance only have to provide their basic loan details to view their interest rate and savings. Once they have chosen a loan program and interest rate and created an online account to complete their application, they will be able to print out their loan disclosures and obtain a list of the documents required from them. Once all formal disclosures and necessary documents are submitted, consumers can receive formal approval in 48 to 72 hours. The company's website is a little outdated with regard to graphics and design, yet the information they provide through their guides and FAQs is accurate and to the point.

All online quotes generated by CloseYourOwnLoan.com's automated underwriting system assume a middle credit score of 740 or higher and a debt-to-income ratio under 43%. Rates may vary depending on the applicant's actual credit score, debt-to-income ratio, county loan limits, among others. The minimum FICO credit score required is 620.

CloseYourOwnLoan.com has no regulatory actions with the Nationwide Mortgage Licensing System. The company has an A+ with the BBB and doesn't appear to have any complaints with the CFPB.