Residential Mortgage - Finding The Best Home Mortgage Lender

Most people approach the act of getting a home mortgage purchase or refinance loan the wrong way. They timidly approach lenders and cross their fingers that they will quality for that all-important loan. But that's just the opposite of what most people should be doing!

There are a lot of lenders out there-some great and others that can be difficult to work with. And here's the good news-they all want your business! Before agreeing to a contract with just any lender, you should make an appointment with (in person or by telephone) and ask them some important questions. Doing so could make the difference in a wonderful experience and one that you'd rather forget.

If you are in the process of applying for a mortgage loan-either online or off-then you should ask the following questions to every lender that you are considering.

? What are my loan options? Some lenders specialize in only fixed-rate mortgages and you couldn't get an ARM if you begged. It's important to know your options up-front.

? What is the interest rate? You can easily go online and find the competitive interest rate on any given day, and you should ensure that your chosen mortgage lender is offering you one in line with the market.

? How many points will I have to pay to guarantee that rate? Just because someone offers you a great interest rate, that doesn't mean there won't be strings attached. Be sure and ask if the interest rate they quoted you is contingent on your buying points.

? Will you charge an application fee? This can vary drastically from lender to lender, and in some cases the fees are negotiable.

? What happens if I pay off my loan early? Some lenders will include a pre-payment penalty in their contract, actually penalizing you for paying off your loan early. If one is included in yours, try to negotiate around it, or look for another lender.

? Can I lock in my rate? Be sure to ask specifics about this. Will it be possible to lock in a rate at the application stage, or will you have to wait until you've been approved? After you've locked it in, how long is it good for?

? Will I be assigned a person that I should call with questions? It is vital that one person is familiar with your application and loan documents so you don't have to explain yourself every time you call with a question.

? How long will it take you to approve a loan? With the Internet and other modern advances, there should no reason that a lender can't process your loan in a jiffy. If a lender appears to be slow, you should take it as a red flag.

The best way to find a good lender is to use a home mortgage loan company online that will give you multiple offers from different lenders. You want to let lenders compete over your business. To see our list of these types of recommended mortgage lenders, visit: Recommended Home Mortgage Lenders

Carrie Reeder is the owner of ABC Loan Guide, an informational website with articles and the latest news about various types of loans.

In The News:
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.postchronicle.com/news/business/article_212190469.shtmlcid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNFFy66yrS2igGVClltUYFEGLjPdQAimg src=http://news.google.com/news?imgefp=YuTugCVI7XMJimgurl=www.postchronicle.com/images/articles/sale.jpg width=80 height=51 alt= border=1brfont size=-2Post Chronicle/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/sector-turns-up-mortgage-applications/story.aspx%3Fguid%3D%257B91A4517B-C8F3-408A-9381-39CF5648E946%257Dcid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNGrn00TEwQSSRvPynnNqUTCEiFr8gSector turns up as bmortgage/b applications surge/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1A recent downward spike in bmortgage/b rates has sparked a rise in bmortgage/b and brefinance/b applications, according to data from the bMortgage/b Bankers Association b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da_i8357NDD7k%26refer%3Dhomecid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNE64XwRox28CtkCCggUmN0BM8ZEXwUS MBA’s bMortgage/b Applications More Than Doubled Last Week/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/ap/article/ALeqM5iGO3ptAO6a54_9bVj7EorgcgBWSQD94RAE1G0cid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNGRQ0vbfrI25H8CUFrtUvv2tVZzEAbMortgage/b application, brefinance/b volume surge/a font size=-1 color=#6f6f6fnobrThe Associated Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usatoday.com/money/economy/housing/2008-12-03-mortgage-applications_N.htmcid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHf4_4dGpMEBQt6tfQ5NMrvLOg0-AFalling rates spark rush to bmortgage/b applications/a font size=-1 color=#6f6f6fnobrUSA Today/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/economicNews/idUSN0333008520081203cid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNEc8KhFBqd1vXs2s7GVuRGV6JyQRQnobrReuters/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://economy.kansascity.com/%3Fq%3Dnode/409cid=1277091985ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNE6Q6L9YfzsEWSTf60fubjMrhDvHAnobrKansas City Star/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277091985hl=ennobrall 125 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200812031401DOWJONESDJONLINE000799_FORTUNE5.htmcid=1277240284ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNEATfthGss1GuJcaEUJGMehoPIONQHome Builders Soar On Lower bMortgage/b Rates, But Pain Persists/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1As consumers raced to lock in lower rates, applications to brefinance/b existing loans jumped 203.3% last week from the week before, while bmortgage/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dnronline.com/news_details.php%3FAID%3D33724%26CHID%3D1cid=1277240284ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNFcL64CFWHVAR9Asz9MWhgeJ-n_9w30-Year Rates At Lowest Since ‘03/a font size=-1 color=#6f6f6fnobrHarrisonburg Daily News Record/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/developments/2008/12/03/economists-stabilize-home-prices-by-cutting-them-drastically/cid=1277240284ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNF-Z-cMxelVJPGPBtVw6fxsHCd3JgEconomists: Stabilize Home Prices By Cutting Them Drastically/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277240284hl=ennobrall 5 news articles/nobr/a/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://raleigh.mync.com/site/raleigh/news%257CSports%257CLifestyles/story/20699/mortgage-brokers-now-is-good-time-to-refinancecid=0ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNFzu2Se7as_K9XY4CghgMPQUBkiyAbMortgage/b Brokers: Now Is Good Time To bRefinance/b/abrfont size=-1font color=#6f6f6fMyNC.com,nbsp;NCnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1By Lauren Hills, NBC17, 14 hours, 38 minutes ago While most money matters aren#39;t looking up right now, if you#39;re looking to brefinance/b your home, bmortgage/b b.../b/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601068%26sid%3DaRtykQ8tqETY%26refer%3Dhomecid=1277209673ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHyGrcSqiyk6V5OrEBiKaxA8gsFVQUS Economy: Service Companies Shrink at Record Pace (Update1)/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1“Things overall still look bad, but this, together with last week’s doubling in MBA brefinancing/b, provide glimmers of hope,” Ian Morris, chief US economist b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/12/02/AR2008120203155.htmlcid=1277101884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNFj5VWjXulBT4-SgeKDr56PBn5YYQFHA Insurance Fund Has Fallen 39 Percent/abrfont size=-1font color=#6f6f6fWashington Post,nbsp;United Statesnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1If they suffer a financial blow, such as job loss, they will be more likely to default on their loan because they won#39;t be able to sell or brefinance/b. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.prweb.com/releases/VA/loans/prweb1696824.htmcid=1277101884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNEiFwKQihYAFdSF-XKnLOkj30OpdQRecession Lowers bMortgage/b Rates for VA Loans, Flagship Financial b.../b/a font size=-1 color=#6f6f6fnobrPR Web (press release)/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277101884hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaHfzvtT0kqyU%26refer%3Dhomecid=1275469884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHc2R7o8t9oNFVmPMpNYDaLhkDrJgLong Bond Returns Most Since 1995 Amid ‘Bubble’ Talk (Update2)/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrDec 2, 2008/nobr/fontbrfont size=-1Traders are also buying 30-year bonds on speculation the Fed’s purchases may drive bmortgage/b rates lower, spurring homeowners to brefinance/b their home loans b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usnews.com/blogs/the-home-front/2008/12/01/ben-bernanke-fresh-attack-on-mortgage-rates.htmlcid=1275469884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHzjuHzpE7JL-9vXg2jnW_SxFc01wBen Bernanke: Fresh Attack on bMortgage/b Rates/a font size=-1 color=#6f6f6fnobrU.S. News World Report/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://indiapost.com/article/realestate/4667/cid=1275469884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHt8oMPizB2ivZ-hAa9zOoD4DCeegFed will buy $500 billion in securitized home loans/a font size=-1 color=#6f6f6fnobrIndiaPost.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.housingwire.com/2008/12/01/treasury-yields-hit-record-lows-but-will-it-last/cid=1275469884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNEEU1gko79Ely3gxwoPW8jRHr6EcQTreasury Yields Hit Record Lows, But Will it Last?/a font size=-1 color=#6f6f6fnobrHousing Wire/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/etfNews/idUSN2526230020081125cid=1275469884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNEjRDxnw9rNSP324IPDpTxE46X_OQnobrReuters/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hemscott.com/news/static/tfn/item.do%3FnewsId%3D70415991658699cid=1275469884ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNGxDW7yPlcaFKt93tdMlzAXxRRMwAnobrHemscott/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1275469884hl=ennobrall 190 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/news/worldnews/northamerica/usa/3521379/US-injects-further-800bn-to-kick-start-lending.htmlcid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHwhfi3fLsPdtae5Bft0b3KTU94-Aimg src=http://news.google.com/news?imgefp=BOTSKt9R0gMJimgurl=www.telegraph.co.uk/telegraph/multimedia/archive/01120/paulson_1120785c.jpg width=80 height=50 alt= border=1brfont size=-2Telegraph.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/investing/la-fi-mortgage27-2008nov27,0,3466653.storycid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHRCyjVSXtrVqtshbNnWESvw1IsowbMortgage/b rates fall, but many borrowers will have trouble qualifying/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobrNov 27, 2008/nobr/fontbrfont size=-1Jeff Lazerson, a Laguna Niguel bmortgage/b broker, said all the customer calls he received Tuesday were from people seeking to brefinance/b, not buy homes. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/11/25/news/mortgage.revival.fortune/%3Fpostversion%3D2008112515cid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNH-apljkJi6sS3HRyxvuqxjlTD3CQbMortgage/b-market revival: Try, try again/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.baltimoresun.com/business/bal-bz.mortgages27nov27,0,9349.storycid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHQprwCOOucPYxzb7GZQtwZus69hAUS move cuts mortgages to lowest rate since February/a font size=-1 color=#6f6f6fnobrBaltimore Sun/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaQ86JoZr_VFY%26refer%3Dhomecid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNExoptpx3dFQ2jOOuxlicXyS_TS1wbMortgage/b Rates Tumble on Fed Debt Purchasing Plan (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fool.com/personal-finance/retirement/2008/11/28/last-call-for-smart-homeowners.aspxcid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNFc3TsooX5fy0Vr4Lete_Iqa8bIhAnobrMotley Fool/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7013205204cid=1275069318ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNHuVO_tDtQpo7efKwiqlQtFg_s6dwnobrAHN/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1275069318hl=ennobrall 2,549 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.miamiherald.com/business/story/796867.htmlcid=1276939684ei=GOg2SebwLY3I9ASSkK2qDwusg=AFQjCNFxGk1-g1-T_DLGF-WxdQ1LfXXLXQHome loan fraud still rising/abrfont size=-1font color=#6f6f6fMiamiHerald.com,nbsp;FLnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1Desperate owners facing foreclosure are also looking for ways to game the system through appraisal fraud and other means in order to brefinance/b or sell. b.../b/font/div/font/td/tr/table
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A Mortgage and Bank Trick You Should Avoid at All Costs

Once you've purchased your home, you will begin to get... Read More

Financing a Home With Bad Credit

Financing a home with bad credit is a common problem... Read More

Reaping Financial Rewards ? Bad Credit Home Equity Loans

Home is the place you inhabit. It is the place... Read More

Bridging Loan Basics

A Bridging Loan is a short-term loan used as a... Read More

Secured Loans For Home Improvement ? When You Can?t Buy A Luxury Home

A house is just perfect with chipped walls and broken... Read More

Home Equity Loan Tax Deductions

Interest - is an amount you pay for the use... Read More

What Are Mortgage Brokers And Why To Use One

"Mortgage" is formed from two words: the French word "mort"... Read More

Mortgage Refinance - Tips to Help You Cut Fees and Costs

Saving money through a mortgage refi is more than just... Read More

How Much Interest is Your Home Equity Earning?

How much interest are you earning on your home equity?... Read More

A Guide to Quick Homeowner Loans

The search for quick homeowner loans can seem futile at... Read More