Bankers  or Banks for mortgage?
363028
I would have to say mortgage brokers. Mortgage brokers have a choice in many mortgage companies and a lot of them offer special deals for loans due to the competition whereas banks usually offer just a few types of loans.\n\nOne of the biggest mistakes that homeowners make is not researching and checking around before deciding on a loan. I would go to several banks and mortgage brokers and tell them what I need, then compare the loans offered. (Be sure to get a copy of the credit report if a bank pulls one. Multiple inquiries into your credit can make your credit lower.)\n\nBefore you go to a bank or mortgage broker though, research types of loans and the current interest rate for that day. Interest rates change alot and its important info to know. Do you want a 30 yr fixed or 15 fixed? This can also effect the interest rate you get. Since you have a good credit score, you should be able to get a pretty good interest rate. Also ask about special programs or promotions. Some mortgage companies offer special promotions such as lower closing costs and etc.. Don't forget to ask the fees that banks and mortgage brokers tack onto your loan. Paper fees and etc can be waived if you make a big fuss over it.
198482
Many, if not most, financial institutions will be willing to lend you money with collateral. SHOP for the best rates. Stick with the banks and credit unions - stay away from the high interest "store front" lenders
590677
you can join a place where they compile a list of lenders and banks for people in your situation \nif you need more detail contact me
63709
For advertising your mortgage business check out RegionalMortgages.com  They have a national directory of local mortgage professionals.  Get listed there.  Cheap compared to other ads I've seen.
783082
During the last mortgage boom, there were a bunch of mortgage companies hiring loan officers and having them throw 2/28s and pay-option ARMs at people, not explaining the details of such things.  This was 2 years ago.  Since then, the market has slowed, such that the successful mortgage broker has relationships with realtors and builders to feed them clients, and the number of mortgage companies has decreased dramatically.  If you're going to go into the biz, now would be a good time, because we're about to boom again.  Just keep in mind that it takes a while to start, but the money is great when it's good.
299465
The Motley Fool has good advice about mortgages.\n\n\nhttp://www.fool.co.uk/?gclid=COP1ztChk4QCFUFREgodpGw90w
453687
If at all possible get a fixed rate. When considering a bank(or any entity) for your mortgage the rate should not be the only consideration. There are a number of fees, some normal some junk, that are added to the cost of the loan. Compare and make a judgment based on all the factors.
106740
I believe you can.  I work for a mortgage company.  Perhaps we can help you.
127669
I have a question?  Are you talking about mortgages or cars or what?
369971
Yes, although the most popular is an FHA loan that most mortgage bankers carry.  Go to http://www.hud.gov/ Here you will find answer to many questions as a first time home buyer.  I purchased my first property with an FHA Loan and even though the paperwork is a little more, it is the way to go due to the low down payment required.  Also look for a bank with "FHA credits" this can lower the money required at closing.
947035
http://www.agentdirectory.net/\n\nInfo about how to choose\nhttp://theory.lcs.mit.edu/theory-seminars/2005fa/docs/80-20-Mortgage.html\n\nCalifornia Banks\n\n    * American Continental Bank\n    * American Premier Bank *\n    * Bank of the Orient\n    * Bank of the West\n    * California Bank & Trust *\n    * Cathay Bank\n    * Citibank (West), FSB\n    * Downey Savings and Loan *\n    * East West Bank\n    * EverTrust Bank *\n    * Far East National Bank\n    * Farmers and Merchants Bank of Long Beach *\n    * Fireside Bank *\n    * First Federal Bank of California *\n    * First General Bank\n    * Golden Security Bank\n    * Guaranty Bank of California\n    * Hamni Bank *\n    * HSBC\n    * Imperial Capital Bank *\n    * IndyMac Bank\n    * ITLA Capital Corporation\n    * Los Angeles National Bank\n    * Omni Bank (California)\n    * Preferred Bank *\n    * Tomato Bank *\n    * Union Bank of California\n    * United Commercial Bank\n    * Universal Bank\n    * Wells Fargo\n    * World Savings Bank (acquired by Wachovia) *
1109819
I have not heard of them, but I would advise you to be VERY careful and check the Better Business Bureau on any mortgage company. There are a lot of real estate mortgage scams out there. Be careful!
1046856
Hi, \n\nMy vote is definitely for the credit union option.  Credit unions are not-for-profit so they really have your best interests in mind.  Here are a few helpful articles and a calculator from my credit union's site:  \n\nHow to select a lender:  http://www.fuzeqna.com/wrightpatt/consumer/kbdetail.asp?kbid=2868\n\nHow does a lender determine how much I can afford: \nhttp://www.fuzeqna.com/wrightpatt/consumer/kbdetail.asp?kbid=2892\n\nLoan comparison calculator to help you determine which loan is best for you:\nhttp://www.fuzeqna.com/wrightpatt/consumer/kbdetail.asp?kbid=3025\n\nGood luck!
28274
I would stick to a mortgage company.  Don't go to a bank they usually have higher standards on credit.  Check out lendingtree.com.  They compare rates.
507226
im not familiar with get a home loan net- make sure they are a responsible lender-sanctioned by your state dept of banking and ins. or something like that--now-to answer your ?--4% fixed for a 15 yr loan is excellent-- make sure there are no loan origination fees, or hidden fees- a 1% origination fee could be common, yet that is 1,000 on a 100K loan--you are 25 now-your home would be free and clear by age 40--very good idea- only if you plan on marriage and a large family with lots of other obligations would a 30 yr mtg have some appeal as the payments would be lower, yet the rate would be higher- the 4% rate is because it is a 15 yr loan !! take the deal and run as long as the company issuing the mortgage is reputable !! i am a retired CPA & CFP ( certified financial planner)
1014637
I think your broker is on the right track with this.  You've got two avenues to attack here: the letter and the mortgage.  To me, it looks like your better avenue would be to get this letter.  You'll have this problem with any mortgage company.\n\nIt seems silly to me that you are getting a stone wall at work.  Write up a soppy letter that explains how you need this loan and one piece of paper from them is all that is keeping you away from your dream.  \n\nAlso, the letter you show the lender doesn't necessarily need to be from the president of the company.  They're usually just looking for something on their letterhead with a signature of someone in some kind of supervisory position to you.  \n\nBest of luck!
492242
Some banks have inhouse appraisers and you might try that route if you are going to be moving.  There is more job security if you are just transferring from one bank to another.