Home loan survey offers the lowest interest rates.

Home Loans Survey

This free site has been created to help people find the best mortgage rate for a home loan. Home Loans Survey is not a broker or lender.

Find a Mortgage Quote
A simple way to get written, custom quotes from multiple mortgage lenders to buy your dream home with a dream loan.

Home Loan Rates
Find the best home loan interest rates from thousands of lenders and brokers...

Purchase or Refinance Home Loans
Find the perfect mortgage/home loan. Choose from fixed or adjustable rates.

Home Loans for Less than Perfect Credit
Click here to see the best "subprime" purchase and refinance mortgage rates.

Equity Loans & Home Improvement
Fast cash now to ELIMINATE BILLS, make home improvements or REMODEL with up to 125% of your home's value. Quickly turn your home's equity into cash.

FHA Loans
Low down payments and home loans for for first time buyers.

VA Home Loans
Government loans with low rates for veterans, active, or reserve military.

Find a Home Loan Lender
Lenders and brokers ready to help you find the perfect home loan.

Home Loan Interest Rate Information
Learn insider tips on how to negotiate the best rates.

Home Loan Calculators
Powerful financial calculators.

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Find a Home Loan

The best home loans from expert lenders and brokers with the exact type of purchase/refinance, subprime, equity/home improvement loan you need with the best rate...

Standard Home Loans and Lenders
Find Lenders available now with the lowest rates to purchase and refinance your home.

SubPrime Home Loans and Lenders
Do you have less than perfect credit? Find lenders with the experience to help approve difficult home loans with the lowest rates.

2nd Mortgage Home Loans and Lenders
Easily consolidate debt, remodel, or get fast cash! Expert lenders will get you an equity/home improvement loan with the lowest rates available.

FHA and VA Home Loans and Lenders
Is it your first time buying a home? FHA loans available with low down payments and closing costs. VA home loans available for active, retired or reserve military.

Home Loan Tip

If a lender says, "Don't Count on Your Mortgage Rate Lock" when Rates Are Rising, Run!!!

Here's why... sometimes lenders will actually hold up your mortgage application if it means you'll have to pay a higher rate. In 1993, the Federal Trade Commission charged Lomas Mortgage USA, one of the nation's largest mortgage lenders, with falsely promising borrowers that it would unconditionally lock in the rate and discount points for 60 days. In fact, in many instances Lomas levied higher rates and more points within the 60-day period, the Commission charged. The Dallas lender settled with the FTC in July, 1993, and agreed to pay $300,000 in so-called "consumer redress."

"It's the lender who has control over how quickly the paperwork gets done," notes Michelle Meier, a lawyer with the Washington activist group Consumers Union. "And there are always all kinds of reasons why that locked-in rate is unavailable by the time they get to closing."

As interest rates rise, so do mortgage rate-lock complaints. Patricia Cunningham, Consumer Affairs Manager at the Illinois Office of Banks and Real Estate, says that in 1994, when interest rates were high, more than 600 mortgage rate-lock complaints came in. In 1995, when interest rates fell, so did the number of complaints -- by half. In 1996, with interest rates back up again, the number of mortgage complaints also rebounded.