Home Mortgage, Refinance, Purchase, Home Equity Loans, Rates | Home Loan Wholesale
Directory Listings of Leading Mortgage Lenders and Home Equity Loan Brokers Online: By City, County and State
Lender Directories by Niche

Refinance Lenders
Alt-A Mortgage Lenders
Hard Money Mortgage Lenders
Home Equity Lenders
High LTV Mortgage Lenders
Prime Mortgage Lenders
Subprime Mortgage Lenders
Home Loan Lenders
FHA Lenders
VA Lenders
House Lenders
Poor Credit Lenders

Home Loan Advice

Comparing Mortgage Brokers and Lenders
Shopping for a Home Equity Credit Line
Shopping for a Home Equity Loan
Refinance Tips
Sub Prime Lending Tips

Preferred Loan Type

Property Type

Property Value

Credit Rating


1. Why should I refinance my home?
Refinancing your mortgage could provide you with several benefits including: consolidating high interest credit card debt, allowing you to take additional cash out for home improvements and allowing you to payoff existing debt while improving your credit. Additional benefits also allow you to change to a fixed rate mortgage with fixed monthly payments from a higher adjustable rate mortgage with fluctuating monthly payments . Refinancing allows you to take advantage of lower interest rates, reduc e your monthly payment where applicable, and may lower your taxes.

2. How do I choose between a fixed rate and adjustable rate loan?
Personal preference and your financial needs will help you select a fixed rate or adjustable rate mortgage. Fixed rate loans give you consistent monthly payments for a specified term and are especially attractive when mortgage rates are low. Adjustable rate loans fluctuate with the interest rate market, dipping lower when rates are down and rising as rates increase. Your payments under an adjustable rate loan may vary monthly or may be consistent with an adjustment payment at a specified point or points in time (a balloon). Adjustable rate loans may be more attractive when a homeowner intends to stay in a house for only a few years or when a homeowner has other investments to offset the interest rate risk.

3. Why would I need mortgage insurance?
Mortgage insurance is required when a borrower cannot or wishes not to pay a 20% down payment at the time of closing. Mortgage Insurance - provided by third party insurers - protects your lender against loan default and can be terminated when there is sufficient equity in the home.

4. Should I get pre-approved for my mortgage?
Getting pre-approved for a mortgage will help you understand how much you are eligible to borrow before you place an offer. A pre-approval will also help you budget for your projected monthly payments and closing costs.

5. What is the difference between APR and Interest Rate?
APR (Annual Percentage Rate) represents the combined total of the mortgage interest rate, prepaid finance charges and post settlement interest over the life of the loan. An APR calculation can vary by lender, and changes according to your mortgage interest rate, loan type, points and closing costs.

6. What are conforming, jumbo and non-conforming loans?
A conforming loan adheres to the guidelines established by Freddie Mac and Fannie Mae for housing price per housing unit. A jumbo home loan exceeds these Freddie Mac and Fannie Mae guidelines and therefore these home mortgages are subject to different qualifications and interest rate pricing.

Home Lender

Purchase Loans

Home Loan Wholesale, your source for the latest mortgage industry news
Home Equity Credit Lines

Loan Types
A-Paper Loans
Alt-A Loans
Sub Prime Loans
Hard Money Loans
Prime Home Equity
Prime 2nd Mortgage
Sub Prime 2nd Mortgage
Option ARM Loans
1st-2nd Combo Loans
VA Home Loans
FHA Home Loans
Bad Credit Mortgages
Negative Amortization Loans
Interest Only Home Loans
Loan Terms
Home Loan Niches
Modular Home Loans