Choosing the proper lender is as important as your choice in realtor. The housing down turn is in part attributable to the greed and misrepresentation of unscrupulous mortgage brokers and bank employees. Connecting a home buyer iwth a loan that is not properly suited for their individual needs can cause problems in the future. Honesty, integrity, knowledge and committment are essential in a good mortgage broker /lender. You want someone who puts your interests ahead of his own and will inform you of loan programs that do not offer the substantial lender concessions. Logically loans that offer mortgage brokers higher rebates/ commissions will have less attractive rates and terms for the home buyer. A mortgage broker who is willing to work for a lower lender rebate or offer you the option of sharing his commission is a valuable ally. Steve Markowitz is my type of mortgage broker. He is not greedy and is absolutely honest. He will fully explain how the lending process works and give you the option of choosing the right loan based on real rates, fees and possible rebates. He is a life long friend that I trust like abrother. I reccommend him highly He can be reached at 877-257-8377.