Chief general manager, Bengal circle, Jayanta Kumar Sinha after inaugurating the 3-day fair said, ''the SBI's home loan upto Rs 30 lakh at 10.50% was among the most competitive in the market.'' 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.