I recommend working with a mortgage broker, as opposed to a bank or other lending service, Good Brokers not only know policies and histories of local lending agencies, but they know individuals within the different institution, and their knowledge and connections they will be able to get you the best deal possible. Find one whose commission is paid by the bank, it's one bill you should not have to foot.

Best Regards,
Alessandra Marx
alessandra@elikaassociates.com
http://www.elikaassociates.com

You need to do a lot of research.

This should help http://getprequalified.com

If you consider lending tree, be sure to read thier full privacy statement first before giving any information and do some research on the company itself. And if you still are up for it, be ready for a inbox full of swag and a phone ringing off the hook with weard calls from people all over. ha.

Go to lendingtree.com
Let them fight for you. We got a really good rate.
Just make sure that you do your homework.

Hi Halley,

First thing I would suggest is contacting your local bank. Then ask your realtor if they can refer someone to you. It is very important to find an experienced mortgage consultant. Take your time, and work with whoever you fell most comfortable with.

Best of Luck,

Chris

312-738-8438

If ou really want someone who will tell you everything upfront...no tricks...I know of someone who did my mortage and she is very good! She will not lie, tell you everything upfront and tells you what you can expect! She can be reached at irismatos@msn.com or 3056073664.

Find a reputable mortgage banker with an experienced loan officer.

Then make an appointment to meet with them. Bring in your 1040's, W'2s, bank statements,
paystubs.

Ask them to provide a Fannie Mae approval, good faith estimate, and truth in lending.

Then you can check with your bank to make sure you are getting a good deal.

Mortgage bankers can access many different loan programs from several different banks. In this market this is very important. If a bank eliminates a program or raises rates on a program your are stuck.

With a mortgage banker, they can simply send your file to another one of their lenders. Usually, there is no charge or additional processing required.

billturano@selectamortgage.com

Halley, In today's mortgage market it is experience that counts. Just like Parks stated their are good and bad in this industry. I would make sure first that they are a full time mortgage professional because the mortgage industry has had so many changes recently you would want to make sure the person you are dealing with knows the changes.
Make sure you receive a Good Faith Estimate and a Truth in Lending when applying for a mortgage one will explain all the costs and one will explaing the mortgage. Please keep in mind when shopping if one sounds to good to be true it probably is a scam.

True,

Shopping will help you weed out people whom will not want to work hard for you on your loan. If you have a good working relationship with your bank, you may find them very competitive if you haave great credit.

Good Luck,

Ken Herrera
Century 21 Infinity

Shop around. There are many mortgage brokers out there. Some are good and some are bad, just like REALTORS. I have a few who I recommend based on the the exceptional service and fair costs received by my clients.