Some critics say Congress ...TX banking commissioner to address mortgage& banking concernsKXAN-TV, TX -Jul 17, 2008There's also unease about the 300 billion-dollar program to let some homeowners refinance into cheaper, fixed rate mortgages. 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.