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 Ask for more than just rates. Bad loan officers will tell you anything to keep you on the phone -- then change the details to suit them later. Instead, make them get real with you! Ask how long they've been in the industry. Probe them about their experience in the industry. Also, ask what their opinion is on the current market and where it's going.
 See also:
 Family Mortgage Company »
Offers residential, commercial and investment property loans. Includes products, company profile, rates. Located in Mill Hall.
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 Mortgage Discounters »
Provides residential and commercial services from offices in Pennsylvania, New Jersey, and Florida.
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 Allegiance Mortgage Services »
A certified broker located in Pottstown. Includes programs, tips, online application, client testimonials.
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 Priority Mortgage Group »
Offering loans for new purchase, home equity, debt consolidation, and investment property. Offices in Butler, Altoona, Williamsport, and State College.
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 Harbor Mortgage, Inc. »
Lending professionals offering new purchase, refinancing and home equity loans. Includes programs, rates, calculators. Locations in Pennsylvania, New Jersey and West Virginia.
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 Federated Lending Corporation »
Provides residential financing. Features programs, FAQs, calculators, details on the loan process. Corporate headquarters in Yardley.
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 Professional Mortgage Services, Inc. »
Independent lender in Pocono Lake. Features company history, programs, online prequalification form.
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 Federated Mortgage Corp »
Offers nationwide residential lending services. Features rates, programs, calculators. Based in Pittsburgh, PA.
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 First Capital Mortgage Group, Inc. »
Pittsburgh-based lender. Includes details on the programs and the loan process plus common mistakes and homebuying tips.
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 Lafayette Lending Group, Inc. »
Brokerage offers a variety of loan packages. Features FAQs and calculators. Located in Lafayette Hill, PA.
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 Carteret Mortgage »
Company provides residential and commercial lending, as well as reverse mortgages for senior citizens. Includes philosophy, employment opportunities, branch locations.
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 Money Warehouse Inc. »
Provides financing for home purchases, commercial property and refinancing. Features company overview, calculators, specials.
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 Pennsylvania Preferred Mortgage Company »
Pittsburgh-basd lender offering a range of loan options. Presents calculators, rates, list of products and services, and online application.
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 Ace Financial »
Provides residential lending. Includes services, testimonials, online application. Located in Monroeville.
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 Bankers First Mortgage Inc. »
Offering lending for new purchases, new construction and refinancing. Features products, message from the president, client testimonials.
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 Home Source Mortgage »
Provider of residential financing. Includes programs, articles, FAQs and details on the loan process. Licensed in six states with headquarters in Blue Bell, PA.
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 County Mortgage, Inc. »
Brokers offering loans for purchase, refinancing and debt consolidation. Features products, calculator, online application.
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 Century Lending Services, Inc. »
Pittsburgh-based lender provides a variety of finance packages. Includes services, company overview, rate calculator.
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 Mortgage Options Financial »
Offering debt consolidation, home equity and new purchase loans. Features products and online application. Based in Horsham, PA.
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 Professional Mortgage Consultants »
An independent broker providing advice and information about the home buying process and special first-time homebuyer financing options. Offices in West Chester and King of Prussia.
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 Changing the term of your mortgage can help in several ways. First, if you were to refinance your current mortgage from 30 years to 15 years, you will accelerate the rate at which you pay towards principle each month meaning your house will be paid off quicker. Also, you will save an unbelievable amount of money in terms of interest because you would likely be taking 10 to 15 years off the life of your loan. Second, you can also refinance a 15 year mortgage to a 30 year mortgage. It seems like it might not make sense to do this, but if you have an immediate need to free up monthly cash-flow and you don't want to take out a home equity loan, this can work out to your benefit. When you take a 15 year loan and refinance it to 30 years you will have the same balance only the payments can be hundreds of dollars less than the 15 year loan. The only draw back to this is you will pay more in interest over the live of the loan.
Ask the company carrying your current title insurance policy what it would cost to reissue the policy for a new loan. This may reduce your cost.
If there are only a few years left on your current loan, it's no use refinancing with a long term loan. You may need extra cash but with a long term loan, you'll end up paying more for the entire loan term.
You have a legal right to a good faith estimate. Get a copy of this document and go over it with a fine tooth comb, it will reveal where there is a real problem.
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