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

I am a cerified lender, i give out loan to individuals who need financial help and capable of paying back the loan with little interest rate, any interested person should contact me via email, prof_bolaige@yahoo.co.uk

A good mortgage broker can help you find the best option.