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Common Questions and Answers About Mortgages and Lenders
Where can I find out more about a lender?
We have several suggestions:
How do I learn about lender licensing or certification?
Most states require mortgage companies to obtain a license to conduct business within its borders. In addition, many states provide public access to this information. We have compiled a list of states with mortgage license lookup available to the public.
How do I get a competitive loan interest rate?
Similar to purchasing any item, the best way to get a good rate is to shop around, while keeping in mind that there are other attributes to a mortgage loan than just the interest rate. CityTownInfo helps you find the best mortgage for you by offering a multiple rate quote service (just fill out the form in the left column). Thousands of mortgage shoppers have used this service to help them find the right lender for them.
How do I go about looking for a mortgage and a lender?
We’ve prepared a complete article on how to shop for a mortgage, including how to prepare for the process, things to watch out for, what type of mortgage might suit your needs and more.
How much of a loan can I afford?
There are several factors that go into determining how much debt you should take on when buying a home. Please read our full article on how much house you can afford on our web site.
How do ARM (adjustable rate) loans work?
An adjustable rate mortgage is one that starts out at one interest rate (usually a lower rate than a fixed rate loan) but adjusts (often increases) after a certain period of time. Read our complete article on ARMs.
Subprime, Alt-A, Interest-Only... what do these terms mean?
Check out our mortgage glossary or, for more detail, our articles on these topics:
Get multiple quotes. Choose the best rate. No obligation.
Common Mortgage Types
• Adjustable Rate Mortgage
• Fixed Rate Mortgage
• Understanding Arm Indexes
Government Mortgages
• FHA Loans
• HCFP Loans
• VA Loans
• State Housing Financing
Home Equity Loans
• Home Equity Line Of Credit
• Obtaining Equity From Your Home
• Reverse Annuity Mortgage
• Second Mortgages
More Resources
• Mortgage And Lender FAQ
• Mortgage Information Search
Mortgage Process
• Avoiding A Jumbo Mortgage
• Avoiding Private Mortgage Insurance
• Dealing With Credit Issues
• Glossary Of Mortgage Terms
• Mortgage Application Process
• Mortgage Laws And Regulations To Protect The Consumer
• Shopping For A Mortgage
• Understanding Credit
New Home Mortgage
• How Much House You Can Afford
• How Much Should You Put Down On A Home
• Mortgage Pre Qualification And Pre Approval
• Mortgages For Purchasing A Home
Refinancing A Home
• Refinancing Your Home
Related Products And Services
• Mortgage Life Insurance
• Private Mortgage Insurance
• Title Insurance
Specialty Mortgages
• Alt A Mortgages
• Balloon Mortgage
• Bridge Loan
• Construction Loan
• Eighty Twenty Mortgages
• Graduated Payment Mortgage
• Growing Equity Mortgage
• Interest Only Mortgage
• Low Doc No Doc Mortgages
• Subprime Loan
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Assurity Financial Services LLC
Financial Freedom Senior Funding Corp
First Horizon Home Loan Corporation
Pinnacle Financial Corporation
Copyright © 2004-2008. All Rights Reserved. Moving Traffic, Inc., operator of CityTownInfo.com, is not a broker or a lender, and all offers for loans or mortgages found on this site are made solely by the advertiser.
