Where do I find a mortgage with good rates and less points?
452400
I am going to be honest with you...... All brokers pull from the same "money Pool"... yea you'll have a broker tell you that they can do a loan for 4.75% with NO POINTS, but I'll bet that by the time it closes it will be 5.75 - 6.5%.... be wary of "the deal that sounds too good to be true"....  it's all a bunch of smoke and mirrors.... \n\nTypically, the lower the rate...the higher the points you will pay....  the more points you pay ...the lower the rate....\n\nFind someone that is going to shoot straight with you..AFTER they have reviewed your complete financial picture....
1012787
You can probably do it, but you'll have to shop around.  Most banks don't offer mortgages on unimproved land, but there's got to be a few that do - but the interest rates may not be so good!
802896
depending on how much you are borrowing they may just base an offer of a loan on your credit score(if its good all the better)\ncheck out \nnorthern rock \nthey have low rates \ntheres also tesco ,egg and loads more\nif its more than £5000 you shouldnt have to pay more than 5.5 to 6%\ninternet loan providers tend to have better rates than the high street so do a search on line and remember to read the small print!good luck
1139656
620 is the conforming line in mortgages for a Good rate'=.\n450-619 is the sub-prime market and they charge you higher% rates\nabove 620 you can get certain concessions starting at 660\nthen more at 700-720\nIn the sub-prime market you will not get 100% financing until your score is at 580 or greater. below 580 you get only partial financing\nfrom 450 to 520 about 65 -70% \n521-550  About 85% \n551-575 about 90-95%\nactually any thing below 500 will disqualify you from most lenders. very few will do sub 500 scores at all.\nHope this helps\nI am a mortgage banker and I finance the homes realtors think they know every thing!
347292
It's hard to say because every area has it's own banks with their own offers.  If you want to shop around easy, go to www.bankrate.com.  Put in where you live and go from there.
1084836
Everything you need to know is here:  http://www.homebuyingguide.org/\n\nAlso check http://www.bankrate.com/brm/rate/mtg_home.asp\nThis will help you to compare rates between companies.\n\nPick a company that looks good on both rate and fees, and make application.  Ask them for your credit score, so you can then call other lenders to see what their rates are for your score.\n\nFirst time homebuyers may also qualify for assistance or a lower interest rate.  Look for your state's Housing Finance Agency or Housing Development Authority to see if you can qualify.
324593
A broker is your best bet as they can shop between all the banks for you to find the best rates.  Rates are as low as 1% on adjustible ARMs and 5.5% on fixed rates.  Let me know if I can help.
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.
502001
Think a repayment type is best\nI usually choose a tracker\nit has variable interest rate that is fixed 1 or 2 percentage points above bank of england base rate
467046
Not a problem:\nhttp://www.mortgage-calc.com/\n\nQuick, easy calculator
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.
626302
you can buy your score at www.myfico.com\n\nIt's 12.95 last time I checked.\n\nI also got a free score when I went to a workshop at a mortgage company, they do a combined  pull from all three and the score was on it.
216719
usually a credit union offers good rate so you might want to check it out if you are the member of a credit union.\n\nyou can also compare rate on the bankrate.com, which has a good number of mortgage brokers and lenders.
118884
Check out www.bankrate.com
2829
If you are looking to advertise mortgage services online, try Regional Mortgages \nhttp://www.regionalmortgages.com\nIts an informational website that has a directory of local mortgage professionals.  They allow for one mortgage rep per zip code.
133083
Start with a mortgage broker.  Talk to your friends and/or family and have them refer one to you.  Talk with the loan officer and don't be afraid to ask questions.  Make sure you feel confident and comfortable with them.\n\nAlso, shop around for rates.  You owe it to yourself to get the lowest rate at the lowest possible costs.  Ask each person to give you a Good Faith Estimate and if they would be willing to lock the quoted rate same day.  (Rates can change throughout the day, so don't spend *too* much time shopping around).\n\nAlso, do not allow people to randomly pull your credit.  This will lower your score for several months, and excessive  inquiries may lower your score enough to disqualify you for the best possible rates and programs.\n\nMake sure you are 100% honest and up-front with your loan officer.  We can typically navigate through many problems, but the ones that surprise us can sink the ship.\n\nGood luck, and happy hunting!
101150
You should go to a mortgage broker. They help you find the best mortgage lender for your situation. \n\nThey don't cost any extra as they just get a cut of the money the mortgage lender makes. At least that is the idea, you still have to be a wise shopper.