Offer Angel

What is Offer Angel?
Offer Angel is your source to receive your mortgage offers in an easy to read format online. Many consumers find it difficult to understand the Federal Home Loan Disclosures they receive in the mail after applying for a home loan. We make complex mortgage terms easy to understand.

Lenders enter their mortgage offers in our private and secure site. We place your offers into your Offer Angel account in an easy-to-read format. Once you have received all the offers you want, we provide a FREE Side-by-Side review of your mortgage offers and their terms. You can have our expert analyst alert you to potentially dangerous loan terms in our Personalized Mortgage Report for $24.95.

	Offer Angel	Lending Tree	Bank Rate
Which web site sells my personal information?
Which web site pulls my credit?
Which web site lets me choose the lender(s) receiving my personal information?
Which web site lets me compare my mortgage offers/terms directly from the loan officer online?
Which web site alerts me to mortgage terms that may not be right for my financial situation?
Which web site give me unbiased review of my offers to help me choose a better mortgage loan?
Which web site provides the terms of my mortgage offers in an easy-to-understand format?
Which web site lets a lender of my choice participate on the site?
Which company is a mortgage broker/lender?
Which company gets paid up to $1,300 when I close a loan with a lender from their site?

Apply with a mortgage broker or lender on your own and take a complete mortgage application with them. Your credit can be pulled multiple times when shopping for a mortgage loan without harming your credit score. To learn more about your credit, visit . www.myfico.com.

“Add a Lender” sends an email to the loan officer requesting them to enter their mortgage offer onto the secure Offer Angel site. Once the loan officer has completed the online mortgage offer request, you will receive an email notification that the offer is available for you to view in your private Offer Angel account.

What if MY mortgage Lender/broker will not fill out the mortgage offer request?
It is in the best interest of the lender or broker to complete the mortgage offer request if they would like to earn your trust and business. If the loan officer refuses to fill out the form, it may be your first indication that your offer was "too good to be true" or that they are attempting to hide important details of your loan. It is essential that you communicate to the loan officer that they will not be considered as a viable loan option unless the form is completed in its entirety as Offer Angel cannot view incomplete forms. In order for Offer Angel to give our clients an accurate analysis, it is imperative the mortgage offer form be filled out in its entirety.

How is Offer Angel able to remain unbiased when reviewing my mortgage offers?
To ensure an unbiased opinion, our analysts are "double blind". This means we do not give them your name or the name of the lender whose offer they are reviewing. Your personal information is never contained in this report.

My loan officer/broker is a friend or relative, why use Offer Angel?
It is always in your best interest to have options. Limiting yourself to working with a friend or relative does not ensure you are receiving the best loan for your needs. In addition, they are only able to offer mortgage loans that are available through the Lender(s) they represent. Remember, you are making the monthly mortgage payments on the new loan not your friend or relative. Besides, a friend or relative wants you to have the best, right? Then apply with a few additional Lenders to help you make your decision.

Do I have to accept an offer?
No. You are under no obligation to accept a mortgage offer from any Lender.

Can the Lender see my account or offers from other Lenders?
No. Lenders receive your request to fill out the mortgage offer form in a private and secure email. The mortgage offer form does not have any identifying information and the Lender cannot see your private account or offers from other Lenders. Once the Lender completes the mortgage offer form, the information is transferred to your private and secure account.

How secure is your site and my information?
Offer Angel makes your privacy and protection top priority. Our site never requests your personal information and any data received by Lenders is protected, kept private and secure through secure technology.

Will my information be shared or sold?
No, we do not sell your information. Your email and name will only be shared with the loan orginator of your choice for the purpose of fulfilling your request that they submit your offer through Offer Angel. Please read our privacy policy.

Why do I have to apply with each Lender; can’t Offer Angel do that for me?
We give you the choice of which Lenders receive your application. Your personal information and privacy is extremely important to us. By not selling your private information to any Lender, you have control over who receives your information.

How many Lenders should I apply with?
The federal government suggests you should apply with several Lenders. How many Lenders you apply with is your decision. Comparing a minimum of three offers from different Lenders or brokers will help you make an informed decision.

Doesn't applying with multiple Lenders hurt my credit score?
Some mortgage brokers/lenders will try to scare you by saying "Don't allow anyone else to pull your credit or score will go down and I won't be able to give you this great loan." This is a MYTH. The federal government wants you to shop around with multiple Lenders to ensure you receive a fair loan. This means you can apply with multiple Lenders and have your credit pulled within a 14-day period. All the credit inquiries count as one credit inquiry. For more information on your credit, visit www.myfico.com.

How can the Lender send in my mortgage offer?
The Lender can only send a mortgage offer using our online mortgage offer form. When you request "Add a Lender" in your account page, an email is sent to your Lender containing a link to the online mortgage offer form.

Does Offer Angel pull my credit?
No. We are not a mortgage company and we do not pull your credit.

Will the Lender pull my credit?
Since we do not ask for your social security number, the Lender will have to contact you and receive your permission in order to pull your credit. It is important to know that it is in your best interest to speak with each company and take a full mortgage application in order to get an accurate mortgage offer. When you apply for a mortgage loan all the inquiries for your credit within a 14-day period will count as one inquiry. For more information on your credit, visit www.myfico.com

Will your analyst tell me which loan is best?
Offer Angel and its representatives will not give advice on which loan is best for you; only you can make this decision. Our detailed analysis will help guide you through the process so you can make an informed decision.

Once I choose a mortgage, what happens next?
Contact your loan officer or broker to let them know you are ready to move forward with your loan application.

Does Offer Angel give advice?
No. Offer Angel takes information provided by third party Lenders and formats the loan terms in an easy-to-read Personalized Mortgage Report. Our analysts and representatives do not and will not give personal opinions or advice as a means to help you choose a mortgage loan. Our goal is to help educate and support the borrower during the mortgage application process.

I can’t find the answer to a question, how do I contact Offer Angel?
We are here to help! Contact Us

How do I become an Advertiser?
Go to our Advertiser Page for more information.

*Every Customer receives a FREE Side-By-Side Report which details the terms of their loan offers. You can upgrade to the Personalized Mortgage Report and have our expert analyst review your offers alerting you to potentially dangerous loan terms for $24.95.

Facts and Questions