MORTGAGES AND WHERE TO FIND THEM

Mortgage Sources: Traditional, Online, and Mortgage Brokers


Whether you are buying your first home or your 10th, you will probably need a Mortgage. Many institutions can serve as your "Mortgage Company." Traditional sources such as Banks, Savings and Loans, or Credit Unions can service your mortgage needs. These are the same people your parents probably sought out when they bought their home. Nowadays, there are also Online Lenders, who can give you several quotes at once to help you shop for the best rate. You can't just walk in and talk to someone about what you need, so it's important to try to assess their customer service and check their legitimacy. You'll be able to tell about their customer service by how responsive they are in the process.


There are also Mortgage Brokers, whose purpose is to do the shopping for you and find the best loan based on your financial status. Brokers do charge an extra fee so be sure to find out what those costs are up front. When choosing a lender, try to be as financially savvy as possible. If you are somewhat experienced with new home loans, you'll be able take advantage of great rates online or with a traditional lender with little problems. It's fairly easy to acquire a bit of knowledge these days, so try to take advantage of these resources as you set out to procure a mortgage.


Mortgage Sources

Mortgage Bankers manage home loans. They find the money, underwrite the loan, service the loan, collect the monthly payments, send out the statements.
1. The Mortgage Bankers Association maintains the best one-stop reference for real estate finance information and mortgage loan information. Whether shopping for a home or a mortgage finance industry professional, it is all here in one place....and updated continually throughout the day!
2. Wells Fargo Home Mortgage offers a wide array of mortgage products to meet a variety of home financing needs.

Internet Lenders

The Internet is often the easiest way to get current prices and take advantage of them. You can compare prices and submit applications from the comfort of your own home.
1. The Loan Page provides over 20 ways to search for a mortgage loan including LIVE mortgage rates.
2. Countrywide is the nation's largest independent loan lender. Real estate mortgages. Pre-qualify for maximum mortgage home equity loans. Current interest rates online.

Mortgage Brokers

Mortgage brokers do not underwrite the loans, they specialize in putting together lenders and borrowers. They work with multiple lenders and are usually able to find very competitive rates to match the borrower's qualifications. They charge an extra fee, so be sure to find out what that will be. If you don't have the time nor the interest in searching for the best rates yourself, a good mortgage broker will do this for you. He'll talk to the lenders, all you'll need to do is come up with the paperwork he requests. They can usually find mortgage loans for people with less-than-perfect credit or other situations that may not qualify for a mortgage through traditional means.

1. LowCost Lending offers free rate quotes with no obligation, up to four lenders will give you quotes after your application is submitted.
2. LowerMyBills offers Home, home equity or refinancing. Receive up to 4 free quotes, compare rates and save money. Bad credit OK.
3. Mortgages-Expo finds mortgage companies offering bad credit mortgage loans, refinance loans, home equity loans and more. Fill out the simple loan request form to avail lowest possible rates from your local mortgage broker.


Summary

If you are in the market for a mortgage, there are many options for loan sources. Mortgage companies can be your bank, a savings and loan, a credit union, or can be found online. Additionally, if you don't want to take the time to search for the best rates yourself, the services of a mortgage broker can be invaluable. It's best to be somewhat informed about your options, whether you do the search yourself or let an online lender or mortgage broker do it for you. With the resources available to us today, it doesn't take much to be an informed borrower.

Resource Index

Audio-Video-and-Cameras:
Plasma TV, LCD TV, MP3 Players, TIVO, Satellite TV, Dgitial Cameras, Digital Camcorders, Bose iPod Speakers, Multimedia Projectors, GPS, Blu-ray Disc

Computer and Accessories:
Choosing a Laptop Computer, Computer Memory Upgrade, Copying a Hard Drive, Dual Monitors, Networking Computers, Microsoft Office, PDA's, Cheap Ink/Toner, Color Laser Printers, Multifunction Printers, Scanners, USB Flash Drives, Wireless Printers, Dell computers, Wireless Routers, Wireless G Routers, Wireless N Routers, Laptop Carrying Cases

Computer and Video Games:
Age of Empires III, Battlefield 2

Entertainment:
Online Gambling, Poker, Routlette, Blackjack, Craps and other Online Games, Online Casinos, Movies, Online DVD Rentals, Home Theater Systems , Home Theater Components, HDTV, HDTV Buying Tips, HD Radio, Portable DVD Players, Magazine Subscriptions

Fun-Hobbies:
Tropical Fish, Aquariums, Scrapbooking, Rubber Stamping, Geneology, Geocaching, Soap Making, Candle Making

Legal:
Criminal Defense Attorneys, Tax Attorneys, Lemon Law Protection, Structured Settlements, Investment Fraud, Bankruptcy Attorneys, Personal Injury Attorneys, Family Law

CellPhones-and-Communication
Cell Phones, Cell Phone Carriers, Prepaid Cell Phone Plans, Cell Phone Ringtones, Headsets, VOIP, Cheap Long Distance, iPhone, Blackberry, Bluetooth Technology, SmartPhones

Jobs-Schooling
Online College Degrees, Business Degrees, Home Schooling, Drivers Education, Job Resumes, Online Job Search
Internet:
Cybercrime Prosecution, IE Security, Affordable Web Hosting, Web Hosting, Domain Name Registration, Search Engines, Web Site Design, Internet Mailing Lists, Blogging, Internet Serive Providers, Free Email, Clip Art

Finance and Insurance:
Auto Insurance, Car Insurance Quotes, RV Insurance, General Insurance, Travel Insurance, Business Insurance, Basic Guide to Consolidating Student Loans, Cash Advance Loans, Federal Student Loan Consolidation, Debt Consolidation, Debt Management, Credit Card Debt Consolidation, Free Credit Reports, Home Mortgages, Home Equity Loans, Mortgage Refinancing, Mortgage Rates, Mortgage Companies, Second Mortgages, Mortgage Brokers, Health Insurance, Insurance Quotes, Term life Insurance, Mortgage note buyer, Renter's Insurance, Household Budgeting

Home:
Home improvement, Outdoor Lighting, Kitchen Remodeling, Kitchen Countertops, Espresso Makers, Food Processors, Coffee Makers, Coffee Grinders, Slow Cookers, Popcorn makers, Blenders, Cutting Boards, Refrigerators, Freezers, Washers & Dryers, Bathroom Remodeling, Kitchen & Bathroom Faucets, Bathtubs, House Windows, Closet Organizers, Window Treatments, Hardwood Floors, Carpeting, Home Security, Water Heaters, Water Filters, Carbon Monoxide Detectors, Bamboo Flooring, Portable Air Conditioners, Dehumidifiers, Siding, House Cleaning Services, Home Organization, Vacuum Cleaners, Cannister Vacuum Cleaners, Handcheld Vacuum Cleaners, Upright Vacuum Cleaners, Stick Vacuum Cleaners, Wet-Dry Vacuum Cleaners, Furnaces, Fireplace Inserts, Electric Space Heaters, Pellet Stoves, Wood Stoves, Heat Pumps, Buying a used car



Business-Office-Supplies:
Discount Office Supplies, Home Office, Office Furniture, Copiers, Home Business, Business Cards, Business Brochures, Mailing List Companies, Affiliates, Franchises, Business Telephone Systems, Employment Agencies, Call Centers, Fax Machines
Health and Wellness:
Fioricet for Migraine Relief, Online Pharmacies, Phentermine for dieting, Tramadol for Chronic Pain Relief, Mesothelioma, Mesothelioma Lawyers, Acne Treatment, Contact Lenses, Drug Rehabilitation, Cerebral Palsy, Hair Loss, Hair Loss Products, Human Growth Hormones , Diet Pills, Treadmills, Fragrances, Reducing Cholesterol, Diabetes, Obesity, Arthritis, High Blood Pressure, Heart Disease, Acid reflux, Cialis, Understanding Depression, Unraveling Diet Plans, Erectile dysfunction, Lipitor, Sleep Loss, Viagra, Autism, Asperger Syndrome, Living With Depression, Bipolar Disorder, Seasonal Affective Disorder

Gifts:
Gift Ideas, Corporate Gifts, Gift Cards, Wristwatches, Replica Watches, Sunglasses, Wholesale Jewelry, Jewelry Boxes, Wedding Gifts, Food Gifts, Books, Music, Flowers, Gift Baskets, Candles & Candleholders, Chocolate & Candy

Sports:
Health Clubs, Home Gyms, Treadmills, Golf, Golf Vacations, Golf Schools, Golf Clubs, Fantasy Baseball, Fantasy Basketball

Travel:
Railroad Train Travel, Greyhound Bus Travel, Moving Guide, Rental Cars, Luxury Cruises, Maui Vacation, Spain Travel, Panama Cruise, Mexico Travel, Europe Travel, Disneyland Vacation, Disney World Vacation, Airline Tickets, Las Vegas Vacations, Las Vegas Sights, Las Vegas Entertainment, Las Vegas Dining, Lake Tahoe, Reno Vacations, Grand Canyon Vacation, Alaska Vacation, San Juan Island Vacation, Seattle Vacation, San Francisco Vacation, San Diego Vacation, SeaWorld Vacation, Yellowstone Park Vacation, Los Angeles Vacation, Bed & Breakfasts, Las Cruces New Mexico Vacation, Texas Hill Country Vacation, Columbia River Gorge Vacation, Albuquerque Vacation, New Mexico Vacation, Utah Vacation, Denver Vacation, Carlsbad Caverns, Branson, Missouri, Arizona Vacations, Jackson Wyoming, Skiing Wyoming, Skiing Oregon, Skiing Utah, Skiing Colorado, Skiing California, Skiing Washington State, Skiing Idaho

Yard-and-Garden:
Lawn Care, Patio Furniture, Hot Tubs & Spas, Gazebos, Fences, Decks, Barbeque Grills, Greenhouses, Patios, Sprinkler Systems, Landscape Design, Backyard Ponds, Bird Baths, Hedge Trimmers, String Trimmers, Wheelbarrows and Gardencarts, Lawn Mowers, Lawn Mowers, Lawn Care Tools, Lawn Edgers, Leaf Blowers, Now Blowers, Rakes