As you may have already learned, rate shopping in today's mortgage market can be tricky. As a homeowner or homebuyer, you want a simple and straightforward answer to what you qualify for and what rates a lender can offer. With many of our competitors, it is more difficult than you may think.

It is a way of life at America's Discount Home Loans to not only serve our clients but to have them know as much about their loan as we do. Therefore, when you're rate shopping you should know what to look out for. Please be aware that most lenders list rates daily on their websites, in newspapers and other literature and these rates come with fine print. Most online "blanket quotes" assume that your credit score is 720 or greater, that you owe no more than 80% of the value of your home, and that you have sufficient income, assets and employment to actually qualify for that rate, and that the type of loan they're referring to is the loan type that you want. These are big assumptions.

The problem lies in that not all qualify for the same loan! In fact, at ADHL, we consider each mortgage loan to be as different as the person who is applying for it. With that in mind, we firmly advise you to not just surf the web for rate quotes, but to in fact contact one of ADHL's seasoned professionals, not to get just a quote, but in fact get qualified for the loan that is best for you!