Question 1

Is this really free?

Accepted Answer

100% free. We're paid by the lender when your loan settles, not by you. There are no hidden fees, ever.

Question 2

Will this affect my credit score?

Accepted Answer

No. Our initial review involves no credit check whatsoever. We only run a credit check if you decide to proceed with a formal application.

Question 3

How much can I actually save?

Accepted Answer

The average Money X client saves $387/month — that's over $4,600/year. Some clients save even more depending on their loan size and current rate.

Question 4

How long does refinancing take?

Accepted Answer

Typically 2-4 weeks from application to settlement. We handle all the paperwork so you don't have to.

Question 5

What if I'm locked into a fixed rate?

Accepted Answer

We'll calculate your break costs and show you whether refinancing still saves you money overall. In many cases, the savings outweigh the break fee.

Question 6

Do I have to switch lenders?

Accepted Answer

Not necessarily. Sometimes we can negotiate a better rate with your existing lender without switching at all.

Question 7

Why should I use a broker instead of going direct?

Accepted Answer

Banks only offer their own products. We compare 50+ lenders to find the best deal for your situation — and we do all the legwork for free.

Question 8

What do I need to get started?

Accepted Answer

Just take our 3-minute quiz. We'll handle the rest. No documents needed until you decide to proceed.