Experts see more subprime- pain aheadPuget Sound Business Journal, WA -Aug 25, 2008If home values continue to sink and a homeowner is losing equity, that will diminish his or her ability to refinance into a better mortgage, said Don Zender ... 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.