Some people say to go with Countrywide,has anyone used them. I live in Ohio.

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The best way to shop for the best rate is to use a web site that gets you comparative quotes from several companies. Those services are free and there's no obligation. I recommend the ones I've listed in Sources. Good luck!

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If your credit and income are good, I wouldn't go with a mortgage broker. Their fees are too high. Contact a couple of local banks and see what they have to offer. You might also contact Wells Fargo Home Mortgage.

Most banks and lenders have their loan products on their websites.

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Choose a local bank. Do not call one of these lenders of commercial television. Many of them offer those too good to be true, but focuses on what you do is just make the interest payments. After 30 years, you still owe the full balance of your home.

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Debt

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