what institution has the best 30 yr home mortgage fixed rate?
155397
There is no standard answer, as rates change daily. It depends on how aggresive the bank wants to be, and the loan officer.  When comparing rates, you should do so on the same day. The 2 important questions you need to ask is the rate on that specific day, and the amount of ALL closing costs. A lot of lenders (particularly brokers and on-line mortgage companies) only include THEIR closing costs, and not outside 3rd party costs such as attorney fees, title insurance, recording fees, appraisals. etc.
1034950
The answer to your question depend on the individual credit score and the particular loan program. You can get a 30 year fix for about 7.125% or an ARM  of about 6.85%. There is also an option AMR where you can pick your own payment and the start rate on that is about 1.25% and the full index rate of about 4.23.
341922
Most banks offer zero down financing. You may pay 1/8-1/4% higher in interest rate because of having nothing to put down. I am a lender and the 30 year fixed rate today with 5% down is 6.625% and for 0% down the rate is 6.875% fixed for 30 years. You do not need to go with a variable rate like the other answer to your question stated. You can chose fixed. Closing costs are the same as if you had money down. The key is to shop around to find the best rate and the best in closing costs. Find a lender you trust. Zero down loans are a good way to get into a house with no money out of pocket. You have lots of options.
1074568
Not knowing your situation, I would suggest doing your homework first.   You can different rates on www.homemortgagezone.com and lowerratesnow.com/loans/refianance/Adjustable\n\nI would also check with credit unions and banks, not with just mortgage companies as sometimes you can get better rate.   Please, please read the fine lines and don't get suckered into additional cost you do not need.
800288
I have had good experience with GE Money bank. Just paid off a 36 month int rest free loan. Can't beat that for a loan anywhere.
85017
The best one out there is Dearborn.\nhttp://www.dearborn.com\nIf you are looking to get a CFP or CLU\nI would check out the American College.
495520
It is best for you to shop around at all the banks here.  Check out their websites, they will normally post their interest rates on-line.  Try:\n\nChase\nBank of Kenosha\nJohnson Bank\nSouthport Bank \nNorth Shore Bank\nEducators Credit Union\nSouthern Lakes Credit Union\nAMCCU (American Motors Community Credit Union)\nBank of Elmwood\n(I would advise you to stay away from TCF, that is just from what I have heard from others)\n\n... that is all I can think of right now.\n\nYou can also check bankrate.com for a listing of national rates, so you can tell what the norm is.
682097
If it is a post 1976 structure on fee simple land and you have 25-30% down, two years full income documentation, two years housing history (rent or own) and good credit you should be able to get a 20 year fixed fannie mae loan somewhere in the 6.5 - 7.0 range. \n\nIf it is on leased land, not attached to the ground or anything else funky your going to have a very difficult time doing something with a manufactured home in CA. You may have to goto a specialty company 10-14% range.\n\nDrop me a line and we can go over your specifics.\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com
273390
yes try Creative Mortgage out of Denver. Colorado. 1-866-488-0929 ask for Anthony in HR. they can do just about any type loan any where.
742217
Talk to a mortgage advisor at any estate agents. They scan a computer with over 33,000 mortgages on it to find the best one for you. Northern Rock do a 100% they told me.\n\nGood luck, be sure you know what you're doing!
295967
Another simple way to address this is to get a normal mortgage (fixed/30yr) and make certain that there are NO PREPAYMENT PENALTIES.\n As long as you make the monthly payments, you can pay it off at your speed.
1022488
For a huge list of private educational lenders, check out this page of FinAid.org:  http://www.finaid.org/loans/biglenders.phtml\n\nThe Top Ten educational lenders are...\n1. Sallie Mae\n2. Citibank\n3. Bank One\n4. Bank of America\n5. Wells Fargo\n6. JP Morgan Chase\n7. First Union (Classnotes)\n8. College Loan Corporation\n9. US Bank\n10. Access Group\n\n(Now, this is actually a list of the top private lenders dealing in federal loans.  However, many [if not all] of these private lenders also deal in private loans.  For either loan type, they're well worth looking into.  In fact, don't go for a company that's too obscure -- there's no security there.) \n\nWith private loans, the interest rate you will get with each company will vary based on your credit rating.  Some rates may be as low as Prime minus .5% or more.  Others can be high (Prime + 6% or more). Most companies structure their rates this way (as Prime + a specified margin or LIBOR + a margin), so it helps to know what Prime and LIBOR are at any given moment in time.  If you don't like the variable rate structure, seek out "fixed" or "flat" rate loans instead.
668324
If you have a standard loan good credit fixed rate, 20% down your best bet is to call different lenders to get quotes.  Make sure you call on the same day, because rates can change daily.  If you have a lender that you have heard is good and is more convenient, give them an opportunity to match the lowest quote you get.\n\nIf you have some issues or want an unconventional program, your best bet is going through a mortgage broker.
494
You can find interest rates on CDs and money market funds at the link below (Bankrate.com). This is by far the best site for finding the highest-paying banks in the country.\n\nWilliam Perez\ntaxes.about.com
69856
There are many loan programs that would offer you a 30yr fixed product and little or no closing costs.  Write me an email if you would like to ask additional questions about the process or if you would like a quote. Check my bio (by clicking my screen) for my email address if you like.
729559
There are a couple really nice deals with some of the online banks:\n\nING Direct\nCitibank\nImmigrant Bank\nNetbank\n\nI'd say there are all just about the same, so I'd go with the one with the highest %rate for deposits.
17919
A fixed rate mortgage is much as it sounds.  The rate you pay is predetermined and will not change over the course of the mortgage.  An adjustable, variable or floating rate mortgage will change overtime depending on the preset arrangments.  If you think that interest rates will stay the same or go up, then a fixed rate mortgage is the way to go.  Otherwise a variable rate is good because your rate will go down as interest rates fall.  Recently when interest rates hit their lows, people ran out to refinance at fixed rates.  It was a good idea to lock in those low rates because who knows when we will see that again.