The document provides tips for finding the right mortgage lender. It recommends considering local financial institutions, as working with a lender you have history with can help those with little credit history. It also suggests real estate agents may be able to connect borrowers with lenders and to ask about commissions. Mortgage brokers have access to multiple lenders but to avoid those who incentivize higher rates. Websites like HUD.GOV and VA.GOV can provide lists of qualified lenders by location.

2.  A well trained or experienced mortgage professional will help you
obtain a home loan that suits your needs.
 Home loans are available from various institutions like banks or credit unions
to mortgage bankers and brokers.
 It is important to remember that all the private money lenders are trustworthy
 Here are some ideas on finding the right mortgage lender for your home loan.

3.  One of the best ways to find the right mortgage lender is through a
local or regional financial institution.
 Today, most banks and credit unions are having mortgage division
 Having a working history with a mortgage lender will be a more
beneficial choice for obtaining a home loan for those with very less or
no credit history.

5.  Some real estate companies may work with mortgage brokers or real
estate agents.
 These agents may contact various lenders in front of the buyer.
 Ask your real estate agent or broker if he or she receives a commission
for referring you to the mortgage lender.

7.  Usually, a mortgage broker will have access to various lenders around
the city or region.
 It is important to identify such mortgage brokers who are having the
ability to offer special deals or discounts.
 Get away from the mortgage broker who may lead you to the private
lender who offers mortgage brokers more profit.

9.  To find a list of FHA qualified lenders, you may visit (HUD.GOV) to know
the available lenders by city, state or region.
 To find qualified VA lenders, you may visit (VA.GOV) to find the lenders
who are available in your area or region.

10.  Finally, these offers and programs are available for United States (US)
citizens
 Individuals outside from US may find their offers in other similar
government websites.
http://www.cbmmortgages.com