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The mortgage industry has experienced rapid product expansion in recent years. On a positive note, many new lending products have been introduced and offer consumers unprecedented flexibility and choice. However, consequences of product growth have created additional consumer confusion regarding loan options that are clearly understood.

Some of the new products are Interest Only Loans, LIBOR based loans, Fixed to Adjustable Mortgages, and even a loan with a 50 year maturity schedule. Again which one is right for you? Should you be interested in a more traditional product or consider a new form of home financing? Fortunately, a Loan Officer (LO) can help you find the right mortgage option to fit your needs.

Just as there are many types of loans, there are even more Loan Officers to choose from. Who is right for you? When searching for a LO, it is important to consider the following questions. First, will the LO offer free good faith estimates? A good faith estimate simply involves an LO providing current rate information and closing costs for their various loan offerings. Second, will the Loan Officer take the time to learn about your financial situation and time frame that you wish to remain in your home? Third, how broad is the product mix that the LO has to choose from? All LOs should place various mortgage options on the table for you to consider. That way, you will be empowered to choose the right one for you. Last, it is important to consider the costs associated with taking on a new mortgage. The benefits should outweigh the costs!

Before speaking with a mortgage specialist, consider how long you wish to remain in your home and other factors regarding your personal financial situation. It is important to comparison shop and address second opinions. After all, this is one of the most important financial decisions most Americans make. Again, there is nothing to loose by a consultation as good faith estimates are free of charge.

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