And it could spread to your schools, to your hospitals and to the roads that you drive on ...Arguments in defense of a housing bailout backed by the governmentSan Francisco Chronicle, USA -19 minutes agoThat means the mortgage rot could be on the street where you live. 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.