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Finding the mortgage and lender to fit your unique needs and preferences
You have a lot of options when it comes to choosing a lender and mortgage that is right for you. This quiz may help you identify the factors — emotional or logistical — that may be the most important to you when it’s time to choose your lender.
Popular questions
What loan is best for me?
There are several factors that impact what loan might work best for you. Consider whether a fixed or adjustable interest rate might make sense, as well as how much you have available for a down payment. A home mortgage consultant can help you determine whether you qualify for specialty programs, such as a Veterans Affairs home loan.
What other costs are part of my mortgage?
Your monthly mortgage payment typically will include principal and interest on the mortgage, as well as homeowners insurance and property taxes if your mortgage payment includes escrow. Depending on your down payment and loan type, you may also have to pay private mortgage insurance as part of your monthly mortgage payment.
Who should I choose for my mortgage?
You have many choices for a home loan, including banks, credit unions, independent mortgage brokers, and online lenders. Each has certain benefits—understanding them may help you choose the lender that’s best for you.
Who can help me find the right mortgage for me?
A home mortgage consultant can work on your behalf to find the right type of loan to fit your needs. They can help you through the process, from preapproval through loan approval.
More help for your journey
Up next
Mastering the mortgage process
Being prepared may relieve concern about knowing what you need to do as you choose your home.
