You deserve to work with a mortgage expert who works for you

Let's Search for a local independent mortgage Expert
City,state or zip
Find a mortgage lender on Reprosify
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Answer a few questions
Tell us a little about your loan needs and the home you want to buy or refinance.
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Get data driven lender results
Based on your personalized answers, you can find a national or local mortgage lender who can help with your loan needs. You can then choose a mortgage lender that offers the best terms for you.
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Talk to a national or local lender
A lender will reach out soon to help you find the right loan for you, no obligation.

How to find the best mortgage lender?

The best lender for you will provide the type of loan you're looking for, whether purchase loan, refinance loan or HELOC, and they'll offer competitive rates to save you the most money possible.

1

Prepare to work with a lender

Strengthen your financial profile before contacting a mortgage lender. Monitor your credit score and improve it, if necessary. Maintain employment and income while saving for your down payment. Calculate your affordability to understand a loan amount within your budget. Lastly, check your readiness to acquire a home loan by getting pre-approved. The lender who pre-approves you does not need to be the lender you work with to fund your home loan.

2

Shop lenders

Improve the terms of your mortgage by shopping and comparing several lenders, local and national. Use our tool to find mortgage lender options. Simply enter the zip/postal code of the area you're interested in buying a property, or the address of your home to find lenders for a second mortgage or refinance loan. Consider reaching out to at least three mortgage lenders before settling with one.

3

Ask critical questions

Don't just compare rates, interview your potential lenders before doing business.
  • What is your loan fee? Typically, what percentage of your transactions are closing costs?
  • Which of your closing costs, which can roll into the mortgage? Are you willing to waive or negotiate any fees?
  • What are your appraisal requirements?
  • What are your down payment requirements?
  • What are your credit score requirements?
  • Can you send me a few references?
4

Read lender reviews

Before working with a lender, read online lender reviews on Reprosify Mortgage Lender Directory. Search for the lenders on the web and contact their references.

5

Compare loan estimates

After connecting with your prospective mortgage lenders, understanding their business style and reputation, it's time to focus on the numbers. Apply for a mortgage with your front-running mortgage lenders to receive an official Loan Estimate. Compare Loan Estimates from each lender to evaluate the best mortgage rates or refinance rates. Evaluate the total closing costs from each mortgage lender and contrast credits, insurance and total interest charged over the life of each loan. Read the fine print.

Choose the best mortgage lender for you by comparing rates, terms, experience and professional etiquette.

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