BHL-icons-alone-15No one likes waiting rooms in spite of the pretty fish tanks, magazines and TVs.  Not even smart phones can make waiting rooms enjoyable and that’s why there’s no waiting rooms at Box Home Loans. We put you in charge right from the start with access to better rates and lower fees 24/7 with out requiring a bunch of personal information or waiting for the next available Loan Officer. We’ve also moved what most lenders wait to do last up to the front of the process by having our underwriters sign off on your documentation as you send it in. Most lenders have a processor review things prior to getting your file in front of the underwriter, which can slow things down.

We’re simply different. When you upload your requested documents with Box Home Loans, they go right to the underwriter for review and you get updates real time with your personalized “My Account” page. It’s like a back room peak at live loan progress. We’ll also email you the instant the underwriter reviews your documents to let you know what things are done and approved and what’s still outstanding. You can log on to your “My Account” page any time to check the progress of your loan and see individual conditions that we’re waiting for from you or third party service providers like appraisals and title work.

While there’s a lot less waiting around time “Inside The Box”, getting your documents in quickly and seeing what you’ve sent using your “My Account” page puts everyone on the same page and saves time. It’s one of many reasons we average getting loans done 5 days early.

What does it mean to be ‘Inside The Box‘ at Box Home Loans? It means you have:

  1. Great Credit
  2. Minimum 3.5% down (or equity)
  3. Loan amount of $1,000,000 or less

By meeting these criteria, you will qualify for a Box Home Loan. That means steep discounts compared to traditional lenders in fees, rates and costs.

Lower Costs than a Traditional Lender or Bank

  • No underwriter fees, no junk fees – EVER
  • With less variables inside the Box we can charge less and give you better rates
  • Instant rate quotes to see the savings (no personal information required)
  • Corporate Discounts- Even better deal than what we offer on our public site
  • Lower your monthly mortgage payments- without adding high closing costs to loan amount

More Convenient

  • 24/7 rate quotes online without giving up ANY personal information
  • Accommodating Online Application fits your schedule. Start now finish later
  • Upload required documents to us like paystubs and W-2s with a simple click
  • Easy access to loan progress and updates via My Account Page
  • Close your refinance loan at home or work, it’s your choice
  • Quickly Lock Online
  • People when you want them, website when you don’t
  • Cool tools to get fast answers to see the savings from refinancing
  • Insider secrets on how to shop for a mortgage

The Best Experience and No Surprises

  • We offer what’s usually mutually exclusive- Better service at the lower price
  • A Box Home Loans Pre-Approval means getting the underwriter’s “Final Say” before finding your home so you can:
    1. Shop for homes with the confidence you can actually get a loan and own the home
    2. Negotiate better
    3. Close faster when others want the same home
  • Initial fee quote matches the actual fees at closing
  • Regular progress update calls from Processor and Loan Officer
  • My Account Page keeps everyone on the same page throughout the process- no last minute surprises
  • Salaried Loan Officers means no pushy salesman
  • Proof is in the pudding unfiltered customer feedback on Google Review, Customer Lobby and BBB

What’s Up With That Name?

Box Home Loans perfectly sums up what the company does because we only lend to customers with great credit.  By lending exclusively to those who fit “Inside the Box” we have less variables to account which translates into Happy Customers getting better rates and lower fees.  While the rest of the lending world boasts that they’ll finance anyone, Box Home Loans chooses to go in the opposite direction exclusively rewarding the financially responsible customers.

Our Low Costs: Almost Ridiculous

By lending only to the cream of the crop we have removed 50% of the paperwork and headache from the loan process. In addition, we only offer one product line: loans that require a 3.5% down payment and a 700 credit score. All of that leads to tremendous efficiencies in our process, which translates into unbelievable savings for you! In fact, we have cut loan closing costs by an almost ridiculous 68%. For example, Box Home Loans only charges $149 in total lender and broker fees on a conventional loan and only $199 on an FHA loan. No origination fees. No underwriting fees. No wire fees. No junk. And no, we do not raise your interest rate to make up for the low costs.

Following a Pattern of Excellence

Southwest Airlines did it with air-travel. Walmart did it with retail. And Ikea did it with furniture. Each of those companies revolutionized how business got done in their respective industry. By dramatically changing how they did business, they accomplished what was previously thought impossible: they slashed prices and created higher quality service at the same time. Box Home Loans is doing just that in the mortgage industry.

Please Shop Us

Have you ever had a lender ask you to shop around? We didn’t think so. Box Home Loans, on the other hand, asks all of its clients to shop. Our price speaks for itself. Once you compare us to the competition, we know that you will pass along our concept to friends and family just like you.