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Loan Cabin Mortgage Refinance Review


ConsumersAdvocate.org Rating: 4.9 / 5 (Excellent)
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Founded in 2017, Loan Cabin offers mortgage refinancing to homeowners in 16 states. The company provides a wide range of loan options, including fixed- and variable-rate mortgages, conforming and jumbo loans, and government-backed FHA and VA loans. The company also serves investment property owners. Loan Cabin is located in Lombard, Illinois.
 
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How is Loan Cabin rated?

Breakdown

5.0/5
Loan Variety
5.0/5
Ease of Process
4.5/5
Customer Service and Reputation
4.8/5
Discounts and fees

Overall Rating: 4.9 / 5 (Excellent)

Loan Cabin is a direct lender that offers first mortgages and mortgage refinancing in 16 states. The company enjoys an exceptional reputation. It's rare to find a lender online that has had no complaints filed against it with government agencies and no regulatory actions imposed by the National Mortgage Lending System. Loan Cabin boasts both of these achievements.

Loan Cabin offers two types of refinancing to homeowners—simple rate-and-term financing and cash-out loans. So whether you're seeking a lower interest rate than you're currently paying on your mortgages, a lower monthly payment, or to access the equity of your home to do some remodeling, pay for other large purchases, or even purchase a second home, Loan Cabin is likely to have a loan that suits your needs.

Loan Options

Lender Type
Lender
Loans Offered
Rate & Term
Cash-out
Refinance
Loan Programs
FHA
VA
Conventional
Jumbo
Fixed Year Terms
30 Year Fixed
20 Year Fixed
15 Year Fixed
Adjustable Rate Mortgage Terms
7/1 ARM
5/1 ARM

Loan Variety - 5 / 5

Loan Cabin offers two types of mortgage refinancing: rate-and-term and cash-out. Within those categories, the company offers a wide variety of loans including fixed- and variable-rate loans, FHA and VA loans, conforming and jumbo loans, and refinancing of investment properties. Customers can also choose from a variety of loan terms to customize their payments to their needs.

Application Process

Ease of Process - 5 / 5

You can apply for refinancing online with Loan Cabin. The company estimates the time between application and pre-approval to be about 20 minutes. Customers seeking quick approval will certainly appreciate that speed.

Loan Cabin makes it easy to learn about and compare your refinancing options. The company's website features an interactive interest rate calculator to provide you rate estimates for various types of loan, based on specific parameters you enter. This affords homeowners the opportunity to compare a range of borrowing scenarios. By varying your loan term or adjusting the amount of equity you access, for example, you can see how the interest rate you're offered might change.

Loan Cabin Reputation

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
1657322
Nationwide Mortgage Regulatory Actions
0
NMLS Collection Date
2021-01-24
CFPB Total Mortgage Complaints
0
CFPB Collection Date
2021-01-24

Online Reviews

BBB Rating
A+
Date Collected
2021-01-24

Customer Service and Reputation - 4.5 / 5

Loan Cabin stands out among lenders for its exceptional reputation. The company is rated A+ by the Better Business Bureau. More importantly, Loan Cabin has apparently performed ethically and in line with customer expectations because we found zero NMLS regulatory actions or complaints against the company with the Consumer Financial Protection Bureau. While that's not unheard of, it still makes Loan Cabin a rare bird.

Loan Cabin's website is among the easiest-to-navigate and information-laden sites we've come across. They provide a great deal of transparency around rates and fees and offer a wide range of resources to help homeowners understand the refinancing process.

Contact & Additional Information

Company Phone
(877) 828-2713
Headquarters Address
1910 South Highland Avenue, Suite 300, Lombard, IL, 60148
Year Founded
2017

Disclosure

Loan Cabin is an Equal Housing Lender. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has thecapacity to enter into a binding contract); or because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is: Federal Trade Commission, 600 Pennsylvania Avenue, NW Washington, DC 20580 202-326-2222

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Customer Comments & Reviews

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calvinwalter496
8/18/2022
I had been to at least 6 finance companies and was turned down by all of them. I gave up on buying a new house. Then a friend told me to contact HACKNET CREDIT SPECIALIST. My score was at 550 and i had some negatives, collections, debts, school loans medical bills and late payment though I was skeptical, but I called him anyway. This man is amazing! I gave him all my information and he went ahead. Just within 7days I got a mail regarding the changes made on my report and when I checked everything was totally wiped off my score is now 798 it seems unbelievable until I got a new house, I almost cried. Not only did he get my credit fixed, but made me financially stable. I have so much respect... Read More

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