*Loan,banking and credit>>>mortgage loan

What are the most reputable loan/mortgage companies around today?

Deal with the bank directly, skip the cost of a broker unless you absolutlely need one. (credit issues, etc). They serve a purpose, but add cost to the transaction. Also many brokers are only out to make a buck, not advise you on your best course of action. Deal with a bank that services their own loans, as well. It saves the headache of having your loan sold a billion times. I know that US Bank is holding onto their loans and building their portfolio. They also have experienced staff and nationwide mortgage sales. Source(s): Me...Been in the business for over 10 years.

Chase, Countrywide
It's not the loan/mortgage companies that are not reputable. It's the loan officer or broker that talks you into a bad loan/mortgage contract. You need to compare application fees, points, interest rate, and other fees, a fixed rate is best, and don't get into an Interest only loan, or a balloon payment. With mortgages, the company you take it out with often sells some of their mortgage loans ( the percentage of loans sold is disclosed to you ) but this is not a disadvantage for you, the terms of the loan stay the same if it is sold. If you need more information go to the HUD website, they offer free information on what you need to know to buy a home.
You can have the biggest best known lender (Countrywide, Bank of America, Indymac...) but if you deal with a dishonest broker than you will end up paying dearly. Demand a GOOD Faith Estimate and make sure that they ask you many questions. The problems that I have heard are when people are told one thing and at closing it is something different. This is NO fault of you the borrower but you have to realize that every borrower is unique.

Do not forget that you should not just be looking at the rate. The rate may look great but it might cost you points to get that rate. Most borrowers on an owner occupied or 2nd home should always have an option to pay NO points at all. Investment properties are a bit different.

Some questions to make sure they are asking you:
Do you currently own or rent? If you rent, do you pay by check each month? Are you on the lease? Do you rent from a management community?
If you are self employed, a great mortgage broker will ask about your 1099 income and your average monthly bank deposits (so many programs that do not require income verification are available, do not just settle if they tell you to go STATED income or NO INCOME verification)
How much you have as "reserves" can be very important. So asset questions are a must.
How long have you been in this job and line of work?

ASK FOR REFERENCES!!!!!
ME, I know a lot about mortgages because I eat, breath, and sleep mortgages. Being one of the honest brokers out there has catipulted me to where I am now. www.ScottLushing.com
The biggist in Canada are MCAPS(Bank of Montreal),CIBC,First National,ING,Scotia Express,Firstline(division of CIBC).The fastest growing one is Resmor Trust.There are over 40 different sourses for mortgages in Canada besides private lenders.most of these other lenders are a division of one of the ones listed above and they serve different people depending on the credit rating of the individual which what decides which lender will accept the client and approve the mortgage.You should always see a mortgage broker for your mortgage as they have contracts with all lenders that make sure that you get the best rate possiable for you given your credit back ground.99% of the time there are no cost to you besides the lawyer and the land transfer tax.