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Your loan offer request is free and there will be no charges to you by StepbyStepMortgage.com. We are not a mortgage lender or broker. We help connect borrowers like you with local mortgage professionals. If you complete a loan offer request form you are under no obligation to accept that offer. The information you are requesting is not a mortgage loan application or an application for credit and certain conditions may apply in obtaining a loan from a lender. The mortgage lender you choose to do business with may charge you fees associated with your loan request and actual funding of your loan. Agreeing to pay these fees are entirely up to you. Completing a loan offer request form does not pre-qualify you for a mortgage. Only a lender can pre-qualify you after a thorough underwriting process.