What is the best mortgage companies to borrow 30-year fixed home loan first time buyer?

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I want to buy a house and I want to know what is good business to borrow mortgage money? For example, Bank of America, Wells Fargo, etc. .. I want to be a mortgage of 30 years at fixed rates. Please reply as soon as possible. I also want to choose the best answer. The interest rate should be lower and the service will be atleast good.

4 Comments
  1. Reply
    Business Mom
    February 17, 2011 at 11:09 am

    your local banks or local financial institutions.

    if your credit is good, your rate will be also….and guess what …”they are local”! good for you….

    stay away from the internet offers.

    good luck

  2. Reply
    therainbowseeker
    February 17, 2011 at 11:22 am

    Before you go to a Mortgage Broker, check with your State’s Housing Finance Agency. Most offer a product for 1st time home-buyers that requires minimal down-payment and a lower interest rate on 30-year fixed rate mortgage than most conventional lenders.

  3. Reply
    Mary R
    February 17, 2011 at 11:26 am

    I think you should consider paying 1/2 mortgage every two weeks to help pay off the mortgage years earlier. Also it will help you build equity faster and not be paying on the financing charge for years ad naseum.
    A company I’m convinced is ethical & trustworthy is AAA Financial – http://www.AAAFinancial.com

  4. Reply
    godged
    February 17, 2011 at 11:39 am

    The only thing Marty is good at is cleaned up with a shovel.

    There are a ton of first time home buyer programs out there.

    You really need to look beyond rates, because there are so many things that can cost you money. Transaction fees, appraisal fees, closing costs, points, late fees, pre-payment penalties, and so on. Ask perspective lenders to provide you with a good faith estimate of closing costs.

    Being an informed shopper is the best way to avoid mortgage regret.

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