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on the consolidation debt loan market and can’t be changed. But it never hurts to ask your current lender if such a program is available. Streamlining. Some lenders offer a quick refinancing for current customers. You typically pay a slightly higher rate for the convenience and speed. Reduced paperwork. Most so-called “low-doc” or “no-doc” loans charge you a higher interest rate in exchange for requiring less documentation. Some lenders, however, have fast-track programs that eliminate some steps -- such consolidation debt loan income and asset verification -- for customers with consolidation debt loan credit. This speeds up the process without resulting in a higher interest rate. 4. Use the Internet Most people use the Internet to shop for rates but pick up the phone once they’re ready to apply. Starting your application on the Web, however, can help you bypass the traffic jams at the call center. Operation of the mortgage The borrower (also called the mortgagor) uses a mortgage to consolidation debt loan real property to the lender (also called the mortgagee) as security against the debt (also called hypothecation) for the rest of the value of the property. In legal terms, the creation of a mortgage gives the legal title of the land to consolidation debt loan mortgagee and an equitable title (called "equity of redemption") to the mortgagor. The legal title, however,