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Credit Toolkit 3.0:   

Guide To Mortgage Shopping - Here's what you need to get started looking for a mortgage that best serves your needs at the lowest cost possible.


At The Credit Alternative Group, we are advocates of establishing the best credit possible before applying for any type of financing. Get and review your credit reports is the first thing you need to do. Can't get your reports free? Go here to get your reports and scores.
 
Shop around for a mortgage from a variety of sources to determine what's available. Shop mortgage brokers, mortgage lenders, banks and credit unions. Don't forget to examine your local and state mortgage programs as well as community service and housing agency mortgages and mortgage assistance programs.
 
Use this form to compare all loan cost information, not just the monthly mortgage payment. Prepare to negotiate with the information you've gathered on the mortgage worksheet. The more information you have about each loan the more negotiating leverage you'll have.
 
Once you are satisfied with the terms you have negotiated, consider getting a
written lock-in from the lender or broker.
 
Also, get a written loan commitment that guarantees you the terms and costs you've locked. A loan commitment puts you top priority in the eyes of the home seller who wants to sell quickly.
So
Source of Some information: Broderick Perkins - Deadline News.com

Some of Our Recommendations:
Pick 3 From This List & Compare Using the Mortgage Worksheet Form

Marie Sciarra, Mortgage Loan
Consultant - 973-390-8478
 MarieSciara@verizon.net

Walter McDowell, Family First
Mortgage - 973-422-0890
 wmcdowell@familyloanhelp.com   

Crystal Moon-Boulware,
Bank of America - 973- 810-9619

Steve Cooper - Eagle Nationwide
Mortgage - (732) 249-3800 Ext. 22
steven.cooper@enmcdirect.com