Frequently Asked Questions Do you have questions? Find the answers here or contact us directly at: 800.562.6254 Questions Can Millennia Mortgage refinance my current mortgage loan? How can a second mortgage benefit me? Is the interest on my loan tax deductible? I really want to own my own home, but I'm not sure I can afford it. Where do I start? What happens after I ve applied? How long will it take? Do they really need to know everything about me for the application? What is the difference between locking or floating my interest rate? How much will my credit history affect my ability to get a mortgage? Are my loan fees tax deductible? Who dictates the cost of the residential loan? Does Millennia Mortgage hold a real estate license? What does Prepaid Interest mean? Why is the Annual Percentage Rate (APR) on the Truth in Lending Disclosure higher than the rate shown on my note, which is the rate I thought I chose?

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