http://www.trulia.com/voices/Home_Buying/Who_has_the_best_mortgage_rates_consistantly_-473950en-ushttp://www.trulia.com/voices/profile/Other-Clifton_Park_NY-5948903/http://www.trulia.com/voices/profile/Other-Clifton_Park_NY-5948903/Careful, Maribeth. Homestead Funding is not accredited with the better business bureau like some of the local mortgage branches of the regional banks and they give you this run around when you try obtain a rate from them online: Because web rates can be misleading, Homestead Funding prefers to evaluate each customer based on their individual circumstances and profile. Mortgage rates fluctuate constantly based on a variety of factors. They include changes in prime interest rate or economy, a borrower's credit score, credit history, downpayment available, collateral and income. Also different loan programs may require rate adjustments based on term, type and qualifications. It is important to understand how your particular situation affects your interest rate. To find out please contact us by finding a loan originator, pre-qualifying today, or calling one of our branch offices.Sun, 27 Jan 2013 12:27:13 -0800http://www.trulia.com/voices/profile/Real_Estate_Pro-Albany_NY-1190099/http://www.trulia.com/voices/profile/Real_Estate_Pro-Albany_NY-1190099/Dear Maribeth, Another Homestead Funding recommendation. Homestead has the largest market share in the Capital Region due to their consistently competitive rates & excellent customer service. They also make our job easier with specialists for specific mortgage products such as VA, USDA, etc. I have worked with Mike Siciliano, Licensed Senior Loan Originator (www.HomesteadFunding.com/MSiciliano MSiciliano@HomesteadFunding.com C-518-365-5031) for 7 years with excellent results & he doesn't work "bankers hours". Sincerely, Ed BarberThu, 24 Jan 2013 04:27:43 -0800http://www.trulia.com/voices/profile/Real_Estate_Pro-Albany_County_NY-2232385/http://www.trulia.com/voices/profile/Real_Estate_Pro-Albany_County_NY-2232385/Hi Maribeth, Alex is correct. I'd shop around a bit, and compare again what a mortgage banker can do for you. Mortgage bankers I find to be the best of both worlds as they act as a advisor and 'loan officer' for you; however, they also have relationships with many lenders and will shop among them to get you the best rate they possibly can. Whats best is they dont charge for their services in the manner a mortgage broker would. Homestead Funding is great. Daniela Bigalli there has helped many of my clients: 518-373-0814 x 14. Best of luck in your search. If I can be of any assistance with any other questions or your home search, please feel free to contact me at any time. Best Regards, Corey Landy Licensed Sales Agent Empire Real Estate Management, LLC albanynyrealestate@gmail.com (518) 250-9339 mobile (518) 320-8584 fax specializing in: Residential & Investment Sales Purchaser Representation coreylandy.comWed, 23 Jan 2013 10:40:40 -0800http://www.trulia.com/voices/profile/Real_Estate_Pro-Albany_NY-2922720/http://www.trulia.com/voices/profile/Real_Estate_Pro-Albany_NY-2922720/Maribeth, you should really shop around for the best mortgage rates, but sometimes a mortgage broker will be able to get the best rates. Many of my clients have used Doug Seder at Homestead Funding. Here is Doug's information. http://www.homesteadfunding.com/agents/dseder Best, Alexander Alexander H. Monticello, Esq. Principal Broker & Licensed Attorney T: 518.227.0718 F: 518.223.8001 www.MonticelloNYS.comWed, 23 Jan 2013 10:23:27 -0800