Refi Safeguards

Not a government website. Independent education site, not affiliated with the Department of Veterans Affairs.

Sorting real refinance offers from aggressive mail aimed at VA homeowners

Checking the company

Safeguard

Search the company and loan officer in the national mortgage licensing lookup to confirm they are licensed in your state. Then search the CFPB complaint database for the company name. Finally, ask for a Loan Estimate in writing and compare it with quotes from lenders you found yourself.

Last reviewed against the primary sources listed below.

Three checks

  1. Licensing lookup.
  2. CFPB complaint database.
  3. A written Loan Estimate.

Mailer questions

How do I know if a mortgage lender is legitimate?

Confirm the license, read complaints and compare written Loan Estimates.

VA and consumer protection sources

Next: churning and the law