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Finding a lender
If you decide to arrange your own mortgage, rather than using a broker, there are various options, such as talking to business contacts, your own bank, financial advisers or your accountant.
With the Internet you have access to hundreds of lenders who offer instant quotes and advice. If you are happy with a quote you find online, it is recommended that you telephone the lender in person before signing up - you may find you can get an even better deal and can also confirm details.
You may prefer to discuss your needs with potential local lenders in person. Go to the bank that holds your checking or savings account. Just go in and ask to talk to a loan officer. They'll ask you to fill out an application, which does NOT obligate you to buy a house or accept the loan. Also you can use my loan prequalification form and I will help you get the process started. How Much House Can You Afford!
While applying for that loan or mortgage, use our mortgage calculator below, to help you determine how much of a loan you should actually get. Most lenders will loan you a maximum amount based on your finicial profile, but it is not always the best decision for you to use the maximum amount that they will lend you.
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