what is the most trustworthy mortgage company?

Thats a question I would ask you. Besides the fact that we go through a rigorous process to become a mortgage entity, you should also look at how long a company has been in business, reviews of other individuals, and your first impression. Talk to a loan officer in that organization and judge them for yourself. If you have any questions about a mortgage or could use some guidance give me office a call 908-933-0253 and ask for Peter Botros one of our resident loan officers.

I have often said you shouldn't shop for a rate or a company.. You should be shopping for a loan officer.. Someone you feel comfortable with and can trust.. Chances are if you are using a broker, the LO will most likely be your only contact with that company.. it could be a great company with great reviews, but you LO is a retard... (I think of my car shopping experience, great company but my salesman was a idiot)... you should stay away from the big banks.. They don't have loan officers.. Only application takers, and stay away from the internet lenders.. They are un familiar with local customs and intricacies, and can make you mortgage finance a hassle.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

I would agree with William. It is the Loan Officer that will make or break your deal. You will want to work with a local Mortgage Banker/Broker, rather than one of the big banks or national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Banker/Broker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, we are trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. A Mortgage Banker/Broker is required to take at least 20 hours of classroom training and pass not one, but two comprehensive tests to ensure that they know and understand the mortgage loan products, programs, State and Federal Disclosure laws and most importantly how to ethically counsel Mortgage Borrowers BEFORE they are issued a license allowing them to work with you. Did you know that a bank "loan officer" is only required to be "Registered". Not Licensed, just registered! Sad, but true... No training, No testing, No licensing requirements, just registered. Think about that before you decide who is looking out for your best interest in what is probably the largest financial decision of your life. Want to know the background of your selected Loan Officer? Go the National Mortgage Licensing System at www.NMLSConsumerAccess.org and take a look at their employment history. You want to make sure your guy (or gal) has years of experience and wasn't delivering pizzas last year ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

Everyone starting in 2010 , has to be registered with the federal mortgage system.. you have to give all information of your life, address, employment history, credit, all names, and they do a criminal back ground check with fingerprints. , so everyone in the system now is ok..

Ask 100 mortgage companies, and you'll get 100 different answers. I'd stay away from the internet lenders - they are unfamiliar with local charges/customs. I'd avoid and the giant lenders, where you are just a number. Choose a local, established mortgage broker/lender who has good reviews on Citysearch, Google, etc.

Some good points to consider from the other responses. I live a few minutes from you in Delaware County. The firm I place mortgages through has been reviewed by the banking departments in 49 states and is approved and in good standing. Also we have been reviewed at the federal level and approved for most of the federal programs like the Veterans(VA), FHA, USDA and those special programs for refinancing. Beyond this the Better Business Bureau has reviewed the company and given us their top rating of A+. If you have a need please call Mark at 800-485-1387 Extension 107. .

answer is none. you have to do you homework. you have to shop around for the rates. most people think large banks like chase, bank of america, wellsfargo. all are for themselve. Look at Goldman Sach, they tell you to buy one stock and goldman insurance that stock will go down. they made billions while customers that bought that stock lost billions.You have to do your homework.

It has nothing to do with the mortgage company ... it's all about the individual integrity of the Loan Officer.

Feel free to contact me, my company has been in business since 1986, saw the ups and downs of the mortgage industry and lasted. We have an A+ rating with the BBB, and we are a correspondant lender. 1-800-949-0101 ext. 2339. We get a lot of loans done that other companies cannot.