The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Should I get a mortgage rate quote for a refinance from my current lender?

By Scott Sheldon / December 10, 2012

Many Big mortgage lenders who service loans and originate loans such as Citibank, Wells Fargo Bank of America etc. will many times offer sales promotions to their loan servicing channel. If you ever receive a phone call from your current mortgage lender offering your mortgage rate quote or refinance or telling you there is a…

Which Mortgage Company For My Home Loan?

By Scott Sheldon / October 28, 2012

How to select the right mortgage company for competitive rates. Choosing the right mortgage company to handle your loan is much easier said than done. Mortgage companies have so many designations, “mortgage broker”, “mortgage lender”, “mortgage bank” and then there’s individual banks and local credit unions. Begin by understanding the differences between the various mortgage…