Cookie Policy

Cookie Policy

This Cookies Policy explains what Cookies are and how We use them. You should read this policy so You can understand what type of cookies We use, or the information We collect using Cookies and how that information is used.

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about You may be linked to the information stored in and obtained from Cookies. For further information on how We use, store and keep your personal data secure, see our Privacy Policy.

We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the Cookies We use.

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Cookies Policy:

- Company (referred to as either "the Company", "We", "Us" or "Our" in this Cookies Policy) refers to MortgageCast.com, 87 Elm Street, Manchester, New Hampshire.

- Cookies means small files that are placed on Your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses.

- Website refers to MortgageCast.com, accessible from https://MortgageCast.com
You means the individual accessing or using the Website, or a company, or any legal entity on behalf of which such individual is accessing or using the Website, as applicable.

Type of Cookies We Use

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.

We use both session and persistent Cookies for the purposes set out below:

Necessary / Essential Cookies

Type: Session Cookies

Administered by: Us

Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Functionality Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

Your Choices Regarding Cookies

If You prefer to avoid the use of Cookies on the Website, first You must disable the use of Cookies in your browser and then delete the Cookies saved in your browser associated with this website. You may use this option for preventing the use of Cookies at any time.

If You do not accept Our Cookies, You may experience some inconvenience in your use of the Website and some features may not function properly.

If You'd like to delete Cookies or instruct your web browser to delete or refuse Cookies, please visit the help pages of your web browser.

For the Chrome web browser, please visit this page from Google.

For the Internet Explorer web browser, please visit this page from Microsoft.

For the Firefox web browser, please visit this page from Mozilla.

For the Safari web browser, please visit this page from Apple.

For any other web browser, please visit your web browser's official web pages.

More Information about Cookies

You can learn more about cookies: What Are Cookies?.

Contact Us

If you have any questions about this Cookies Policy, You can contact us by email: cookies@mortgagecast.com

Frequently Asked Questions

Straight answers to the questions we hear most.

An escrow account is a holding account managed by your mortgage lender.
You pay a portion of your annual property taxes and homeowner’s insurance into this account with each monthly mortgage payment.
The lender then pays these large bills on your behalf when they come due.
This helps you budget for these expenses in smaller, monthly increments rather than facing one large annual bill.

Recasting: You make a large lump-sum payment toward the principal, and the lender re-amortizes your loan based on the new, lower balance. Your interest rate and term stay the same, but your monthly payment is reduced. There is usually a small fee.
Refinancing: You replace your existing mortgage with a completely new loan, often to secure a lower interest rate or change the loan term. This involves closing costs and a full credit check.

Yes, a lender can deny a forbearance request if you do not demonstrate a valid financial hardship, if you do not provide required documentation, or if you do not have sufficient equity in the home. If denied, you should immediately discuss other loss mitigation options your servicer may offer.

The underwriting process itself typically takes a few days to a week. However, the entire period from when you submit your full application to when you receive “clear to close” can take several weeks, as it includes the time needed for you to fulfill conditions, the appraisal, and the title search.

Yes, your closing can be delayed after you receive the CD. Common reasons include:
Finding a significant error on the CD that requires correction and a new three-day review.
Issues discovered during the final walkthrough that the seller needs to address.
Unforeseen problems with the title or last-minute funding conditions from the lender.
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