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You research lenders, select the mortgage amount and time period that’s best for you, get a price quote, after which select a lender to which you’ll submit a full application. If permitted, you can often obtain funds inside a business day or two. Overall, SoFi presents the most effective mixture of aggressive rates and mortgage terms, in addition to the versatility of being able to borrow a small or a large amount. The other choices on this listing are aimed toward debtors with specific needs, like fast funding , large loan amounts , or versatile reimbursement phrases . If you …