Remarks by Vice Chairman Kohn on Economic ActivityIndia Infoline.com, India -Sep 12, 2008One culprit he identifies is changes in the financial system that affected the way that mortgage credit is made available to borrowers. ... 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.