The question can be answered by looking at a series of smaller questions and drawing a conclusion. First what is best? Is the best rate the lowest? Not so, I can quote you a rate you don't qualify for, it's the lowest, but you can't have it! Some brokers and lenders offer "snow flake" rates, they look great, but melt when you apply for them. If you want the lowest rate, find someone trustworthy and let them do what is right for you. As my comptroler (the man who handles the money for a major corporation) says, you don't pay in interest rates, you pay in payments! Compare overall old to new payments, length of term, etc., and see if you are saving MONEY! The mortgage bank I represent (Jim Pendleton, senior loan officer for Financial Services of America, publicly traded, a direct lender- licensed in ALL 50 States) has over 20 major lenders we represent, as well as over 100 programs, plus construction lenders, sub-prime lenders, etc. Every reputable lender has the best rate for you, if your loan officer does his home work for you. Mr. Mortgage, Jim Pendleton, is here to help, I shop for you ,customize a plan for you, explain your options, and guarantee the lowest rate, I'm at YOUR service with all calls held in strictest Confidence. Tell me your story, I can help! I will get the "BEST rate" for YOU!...CALL TODAY!!!

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