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Whether you are purchasing a new home, refinancing an existing mortgage or looking to get a home equity loan, getting a great rate is what it's all about.  However, finding the best loan at the best rate can be very confusing.  There are a lot of mortgage lenders and a lot of loan programs to choose from.  It often seems like you need a degree in finance to understand some of the loan programs available today.  

At Mortgage-Offers, we have over 18 years of financial services experience.  Based on personal experience and feedback from consumers like you, we would like to share our Top 5 Recommendations when shopping for a mortgage:

Get personal service – Work with a company that provides you a toll free number where you can talk to a real person about any questions you may have.  This is a big purchase and you may have questions.

Shop for low rates and fees – banks and lenders have different loan offers and options.  Keep the big picture in mind and don’t be fooled by a low rate if it comes with high fees, etc…

Look to get quotes at no cost and without delay – There are many options for you to get real mortgage quotes without paying an application fee or having to go through a lengthy process.  Choose a company that can provide a quote for free and one that can provide you with the quote very quickly.  Well known companies that provide fast online access to multiple quotes are also a great option. 

Look beyond your real estate agent – Your real estate agent may not have YOUR best interest in mind when it comes to getting a loan.  Many have their own preferred mortgage lenders or brokers that might not have the best product or rates for you.  Use your real estate agent to find or sell your home.  Don’t feel obligated to use their buddy to get your loan.

Be wary online and use a trusted name – Be cautious about providing your personal information to a company you have never heard of.   Stick with the names you know whether it be a local lender or a nationally known brand.  There are many companies to choose from so don’t mess around when it comes to your personal information.