How to Find the Right Mortgage Lender

Congratulations on finding your dream home! Now it’s time to start the process of finding a mortgage lender. A major question during this process is how do you determine which lender to choose?

First, you will need to answer the question, “What are the qualities that I am looking for in a mortgage lender?” Many borrowers think that whichever lender offers them the lowest rate should be their first choice. However, these borrowers are often disappointed with their choice at the end of the loan process. While the rate is an important piece in the mortgage process, borrowers should focus on mortgage lenders that can provide the best combination of service, rates, and advice throughout a challenging and time-consuming process.

There are many steps involved in the mortgage lending process that borrowers tend to overlook.  A good mortgage lender follows the following steps at the beginning of the financing process.

1) The borrower’s financials should be -requested, received, and arraigned in the appropriate order.

2) The financials should be reviewed before they are submitted for approval.

3) The borrower’s credit should be pulled and reviewed.

4) The appraisal should be ordered and reviewed.


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Here are some tips to make the process of obtaining a home loan easier:

Loan programs and qualifications can vary from one mortgage company to another. This means that you will need to do your homework before choosing the right mortgage lender. By looking at all of your options, you will be in a position to choose the lender that you feel can meet your expectations. Where should you look in order to find a reliable mortgage lender to handle your mortgage needs?

Get Recommendations 

These recommendations can be from friends, family members, or co-workers who have recently obtained a home loan. They will be able to provide information on factors such as the quality of service provided, available loan programs, rates, associated fees and document requirements. These recommendations will help provide guidance and save some of the time it takes to choose a lender.

Get Help from Other Professionals

Real estate agents, insurance agents, financial advisors, and attorneys more than likely have a list of potential mortgage lenders they would recommend. These professionals generally deal with the best and understand that you deserve to work with a lender possessing the requisite levels of professionalism, experience, and integrity. The final decision will, of course, depend on who you find to be most useful for your needs.

Think About All Factors

Despite the fact that financing costs and terms are important, you shouldn’t neglect to ensure that the loan specialist you select is receptive to your requirements, is responsive, and responds to your inquiries honestly. Trust your instincts when you’re assessing every loan specialist.

Rates are significant in the home loan process; however, the savvy borrower understands that their emphasis ought to be on the best blend of customer service and rates. The best mortgage lenders are the ones that make the process smooth and simple.

A good mortgage lender or mortgage adviser does more than just trying to obtain the best interest rate available for their clients.  Your mortgage lender should go above and beyond for you to ensure that your home buying process is smooth, efficient and overall, enjoyable experience.

Why GuardHill is the Right Mortgage Lender for You

Buying a home may be one of the biggest moments in your life. That is why it is important to work with the best mortgage lender that meets your home financing needs. GuardHill has maintained an exemplary reputation over the last 26 years because we strive to understand each and every one of our clients’ needs while providing the most favorable interest rates and financing terms.


Get in touch with us to go over any questions you may have regarding the home financing process. We’re here to make this process easy for you!