The mortgage is often the most critical part of buying a house. Most of us are not in a position to purchase a home with cash, and even if we are, sometimes it is still better to utilize a mortgage loan. Loans are very complicated and in recent years the federal government has adopted rules through legislation that have made them even more complex. It is imperative that buyers use great care when choosing a mortgage loan company and in particular a loan officer.

Although interest rate is very important, loans can be structured in a variety of ways. Sometimes the lowest absolute rate is not the best loan and a quality mortgage professional can explain these nuances in terms we can all understand. As a general aid I have included a couple of widgets on this page to help figure out a rough payment for a home. The rates shown are based on Zillows published information and the mortgage calculator below is a basic JavaScript calculator. Understand these are at best a solid estimete and precision figures should be acquired from your trusted mortgage loan professional.