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Guide to Mortgage Lenders in the U.S.

Find the best U.S. mortgage loans to fit your needs and budget


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U.S. mortgage lenders provide home loans with a dizzying array of rates and terms. Finding U.S. mortgage companies that offer the best terms for your needs can be time-consuming. In your search for mortgages, U.S. mortgage brokers can help. These professionals can assist you in rooting out the best U.S. mortgages, whether you’re looking to buy a condo in Boston, a ranch in Montana or a colonial home outside Dallas.

U.S. mortgage brokers have the experience and connections to examine thousands of deals from mortgage banks and mortgage companies. U.S. brokers should have a keen understanding of national real estate trends as well as local trends in your area.

To find the best U.S. mortgages for you:

  1. Make sure you're working with reputable mortgage banks by checking records with government and better-business groups.
  2. Start your search online for mortgage companies in United States territories and compare rates and terms.
  3. Don't limit yourself to a local mortgage lending company. National mortgage lenders may offer the best terms on U.S. mortgages.



Action Steps
The best contacts and resources to help you get it done

Search local U.S. mortgage brokers and lenders associations


U.S. mortgage lenders associations and mortgage brokers associations can help you find professionals who understand the local housing market.

I recommend: At Assessor Links USA, you can find a list of associations for mortgage banks by state. Find a mortgage broker to guide you to the best mortgage in your state at the National Association of Mortgage Brokers.  

United States mortgage lenders include local and regional banks


If you're shopping for a mortgage, banks in your region are a good place to start.

I recommend: To find banks that are mortgage lenders by state, check a mortgage lender directory, such as those at MortgageLoan.com, Mortgage-X.com, LocalLender.info or USCITY.net.

Work with national mortgage lenders


Many national mortgage banks and lenders offer U.S. mortgage loans that may be right for you.

I recommend: Consider national mortgage lenders, such as, Ditech, Chase, GMAC Mortgage or Wachovia, or check out Equifax, which offers a nationwide mortgage referral service. Veterans may qualify for a loan through the VA Mortgage Center.com or USAA.com, where you can get pre-approved for U.S. mortgage loans. 

Check with legal authorities about U.S. mortgage companies


Make sure the U.S. mortgage lenders or mortgage brokers you're considering are trustworthy and are in good standing with state and federal regulators.

I recommend: Contact the Better Business Bureau to vet national mortgage lenders or find a BBB chapter in your state or city to check on local lenders.

For info on mortgage companies, U.S. real estate experts can help


Real estate experts, including your own real estate agent, can provide information on U.S. mortgage lenders and brokers as well as tips on the market for househunters.

I recommend: A Directory of Real Estate Blogs includes a listing of real estate blogs in every state as well as a link to blogs specifically about mortgages. U.S. real estate is also covered on a national and local level at The Bloodhound Blog, which publishes posts from real estate agents, mortgage bankers and investment experts around the nation.

Tips & Tactics
Helpful advice for making the most of this Guide

  • Local mortgage brokers should be familiar with national mortgage lenders and local lenders.
  • U.S. mortgage loans from local banks are negotiable. Shop around for rates from mortgage brokers and mortgage companies before approaching your bank.
  • If you get several rate quotes for a mortgage in U.S. dollars, the quotes should all be from the same time period due to market fluctuations.
  • Tied mortgage brokers don't charge an upfront fee, but work with a limited number of U.S. mortgage lenders who pay them a commission should you choose their mortgage.
  • An independent broker charges an upfront fee but casts a wider net, offering a variety of deals from a host of U.S. mortgage companies.

The official source of Mortgage Lenders in the U.S. is
the Mortgage Lenders in the US States page at Business.com


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