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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.

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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

Find the loan you need from expert mortgage lenders and brokers who specialize in the exact type of purchase mortgage, loan refinance, subprime, home equity loan or home improvement...

Standard Home Loan Mortgage For those with good credit.
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Sub-Prime Mortgage For those who have less than perfect credit.
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Second Mortgages Includes home equity loans, home improvement loans, and equity lines of credit
Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky	Louisiana Massachusettes Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio	Oklahoma Oregon Pennsylvannia Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming

Government Mortgages Government assisted home loan programs. FHA and VA mortgages.
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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.