About Us

The Refinance Tool Box was developed by a group of home refinance mortgage professionals to fill a major need for people seeking refinance home loans.

• Refinance Education: Our goal is to provide a comprehensive and easy to understand refinance information website. We strive to be your "Source" for refinance mortgage information.

Is this a Refinance Help Site or a
Free Quote Site?

Both.....You might be wondering why we offer in-depth mortgage information here to empower those refinancing, yet also offer free current mortgage rates quotes, hoping that you will ultimately want to work with us.

Won't that work against the mortgage loan professionals affiliated with the Refinance ToolBox if potential customers know too much about the home loan refinance and debt consolidation mortgage world?

Absolutely Not!.... It's actually a benefit for us in working with clients, and a shame that we even have to mention this point at all. Those in the mortgage refinance industry resorting to deception, aggression, and trickery with the intent to fool unsuspecting customers harm us all. We at the Refinance Tool Box do not play those games and work to enlighten the public about home loan refinance. We want to protect refinance shoppers from deceptive bad deals.

In fact, we feel that sharing knowledge will strengthen the trust we have with our future clients. We are so confident that we have access to great current mortgage rates and low closing costs, we want our customers to be as educated as possible. This way, they will know how to compare against our competitors and also be able to spot a false low-ball current mortgage rate quote from a mile away. They will also be able to determine the experience level (or lack of experience) of the refinance mortgage professional assisting them.

Will 100 Brokers call me once I submit a
"Free Mortgage Rates Quote Request"
Online with the Refinance ToolBox ?

No! ..... We've heard the horror stories from those who submit online for competing refinance and debt consolidation current mortgage rates offers, only to result in a barrage of phone calls from seemingly every known refinance loan officer with a mortgage rate sheet! Sometimes the calls don't stop for months. The mortgage rates quotes and home loan advice given is so varied and confusing that changing your phone number appears the best option to stop the room from spinning. The plan to refinance, along with its potentially significant financial benefit, is delayed in favor of sanity. Requesting mortgage rates quotes for refinance home loans should not work this way!

You see, the "Have Lenders Compete For Your Business" home loan advertisement strategy is implemented predominantly by lead generation companies, solely interested in gathering and selling "Leads" to mortgage brokers. They have no interest whether you get a great refinance deal, bad debt consolidation deal, or have your phone ringing off the hook for months. They often bait unsuspecting mortgage shoppers in with ridiculous and deceptive web advertisements such as "Get a 30 Year Fixed Rate Now at 3.25%", or "Refinance $250,000 Under $830/month". Deceptive current mortgage rates quotes are are far too common.

Many state " You will receive offers from 4 competing mortgage lenders". What they don't say, is that each refinance lead is recycled over and over again. As the mortgage lead gets older (older means more than 24 hours), it is sold to more and more refinance brokers because the lead is now cheaper to buy. Now the phone calls start coming in at a fast pace and the mortgage loan officers seem to be talking faster and more aggressively. Mortgage rates now change. This practice is plain wrong and offensive, yet continues without a hitch.

We are Here to Help!

The Refinance Tool Box is here to help those looking to refinance and hope that the information provided is helpful for refinance shoppers. We are available to answer your refinance questions and also for rate and program comparison quotes. A place where you can get honest professional assistance without the sales pitch hassle.

Call Us at: 888-850-9888 and we'll be glad to assist!

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