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 When evaluating different lender offers, in the mortgage loan pre-approval process, pay closest attention to the interest rates they are offering & the closing costs. These are the two biggest factors that will help you figure out which lender is right for you. If one of these two factors is too high, it could offset the benefit of refinancing for you.
 See also:
 Riverside Capital Mortgage & Funding, Inc. »
Specializing in residential and commercial loans. Features rates, online forms, staff directory, company overview. Based in Johnston, RI.
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 Landmark Mortgage Lenders Corporation »
Offers home equity lines, new purchase loans and refinancing. Features loan officers, consultation services, overview of the loan process. Based in Providence, RI.
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 Mortgage Pros USA »
Full service lender. Presents company overview, services, online application. Offices in East Greenwich, RI.
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 Family Financial Group Inc »
Family owned and operated business providing residential financing. Includes company overview, online forms in English and Spanish, staff directory. Offices in Cranston, RI and Little Falls, NJ.
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 South County Mortgage »
Lender provides a range of home loan options. Features programs, rates, online application. Based in Exeter, RI.
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 Many people with poor credit history look to take out loans from friends and family. While this may be a fairly good short term solution, it might not be the smartest of long term business moves. What you need to do is refinance your mortgage and lower your payment. The best thing you can do for yourself is to shop around. I'd be willing to bet that some banks will give you a better deal on a mortgage refinancing than you think they would. Find out who's got the best rate to get the best deal on your loan. This might take a little legwork, but it could pay off. Finding that right bank to give you the right deal on your refinancing will be worth the effort.
Don't rely on published rates. "No one's going to advertise their worst product," says Keith T. Gumbinger of HSH Associates, a Butler, NJ, firm that tracks mortgage rates. "They advertise the best possible rate, which probably gets offered to only the top 10 percent of applicants."
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 you want to make sure the interest rate your lender offers you is the rate you get when you close the loan, ask about a mortgage lock-in (also called a rate lock or rate commitment). Any lock-in promise should be in writing. Make sure your lender explains any costs or obligations before you sign.
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