went so far as to change its models on how quickly loans will go bad in the face of what it called "unprecedented" changes in consumer ...Banks' mail jingles as borrowers walk:James SaftGuardian, UK -Apr 17, 2008Wachovia Corp. Home mortgages may vary in features depending on the lending institution. One way to find the creditor with the most attractively priced loan is to look in your local newspaper and check to see if it publishes a shoppers' guide to home mortgage credit. These shoppers' guides are widely available and may be used to identify the lenders with low rates. However, basically, the way to find the best loan is to shop around.