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 like to work with independant mortgage brokers who can shop around the best rates for my clients. The brokers who can look at your full financial picture, can usually put together the best lending scenario for you. Call me today for more information 760-828-4474

Jaime, I like your first question. Getting the lowest rate on a home loan is like trying to find out the meaning of life; it's impossible to guarantee. The article below tell you why:

Is there really such thing as the best deal? What one has to do is educate themselves as much as possible and know what loan program works best for them. Once having the right information, the best thing is to shop around and look closely at the Good Faith Estimate and the Truth in Lending to see exactly what fees you are being charged and how much the loan is costing you. Also, talk to your Realtor since he will have a good relationship with lenders. You can also contact Jaime Castillo (619) 618-6400 http://www.sdHomeLiving.com for a referral.

This award-winning article may help you:

The very best lenders are the ones who have strong, established relationships with the strongest realtors in the city. These relationships hold the lender accountable by successful realtors that help hold these lenders accountable for the protection of the consumer.