Jeff Jaye, a broker in Northern California, used to rely on homeowners looking to refinance their loans for more than two-thirds of his business. Today, he rarely bothers with those applications because he knows most homeowners can't qualify for a new loan. There are several types of lenders that offer home loans with the best mortgage rates. From thrift institutions, commercial banks, mortgage companies, and credit unions, obtaining information from these lenders may help you in your search for the best mortgage rates.
