Answer: Yes, our service is for both future and current homeowners. For prospective home buyers, Home-Account's workout plan can help you prepare your financial situation so that you can qualify for your best mortgage when you are ready to buy a home. Please choose "Purchase" when asked to choose between "Purchase" and "Refinance".

Answer: Home-Account beta does not offer a home equity loan or a home equity line of credit (second mortgage). We expect to offer these products by late summer 2010.

If you wish to refinance your existing second mortgage into your new first mortgage, the second mortgage balance is all we need to find a new first mortgage for you. You should enter the combined monthly mortgage payment that includes monthly payments for both first mortgage and second mortgage.

Answer: The time it takes to improve your financial situation varies. On average it ranges from 3 to 12 months.

Answer: Single Family, Duplex, Triplex, Quadruplex, Condominium, Mobile, Co-op.

Answer: No, we are doing a "soft-pull" from Experian. The inquiry on your credit report will not be shown to creditors and will not affect your credit score. If you choose to get a loan from a lender, they will still have to pull your credit with the purpose of extending a credit which would then impact your credit score.

Answer: Yes you may enter in their information with their permission.

Answer: Please enter only your monthly principal and interest payment.

Answer: Please select "Primary Residence" for Occupancy Type and enter an estimated "Purchase Price", an estimated "Down Payment", and the zip code of the area you are interested to buy a home.

Answer: Yes. Home-Account's partners may charge closing costs and fees. We strive to work with our lending partners to offer you lower closing costs and fees.

Answer: No. Our interest rates and monthly payment do not include fees and closing costs.

Answer: To recover your username and reset your password, please click here.

Answer: We are sorry to hear you'd like to cancel. To cancel your account, please send us an email at support@home-account.com

Answer: Based on your mortgage grade, you are not currently eligible for the loans. These are listed so that you have a point of comparison for loans that you could be eligible for if you had a higher mortgage grade and what you need to do to qualify for this loan.

Answer: After submitting a lock request to a lender, the lender has 48 business hours to contact you and start the application process. If that lender does not contact you, you will be able to submit a lock request to the next lender of choice.

Answer: At this time, we don't offer the service internationally. However, Home-Account is actively seeking partners to expand overseas.

Answer: To prevent unauthorized access, we put in place appropriate procedures to safeguard and secure the information we collect from you online.

• Secure Web Pages – All of the pages on our web site that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. You can check this encryption by checking for the key/lock icon on your browser. If your browser’s security feature has been turned on, a pop up box will notify you when you enter a secure page.
• Encryption – When you send your personal financial information to us, it is protected by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to intercept and read your personal information. When you send your information to us, SSL encrypts it. Only we can decode the encryption.
• Firewall Protection – Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our web site is "hacked," your data will still remain securely out of reach.
• Password Protection – Any access to your account is password protected and restricted to the loan specialist assigned. All employees are kept up to date on our privacy policy.

Answer: There are many reasons why the Experian's authentication questions cannot be generated for you. When you log in to your account, you will see a message that tells you the reason and, in most cases, the action you need to take so that Experian's authentication questions can be generated. Examples of the reasons are the telephone number is inconsistent with the address, or there is fraud protection on your credit file.

Answer: A number of our members may fail Experian's authentication questions. The hard-to-guess authentication questions are there for the safety of your credit information. For more information, visit www.experian.com.