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>Will you search for the lowest rate and terms for me by any lender?
> Are you a direct lender, mortgage broker or mortgage banker?
>Do you offer a fixed rate loan?
> Do you offer an adjustable rate loan?
> Do you offer a second mortgage?
> Tell me about your first time buyer programs.
>What are points? What do they do and how much do they cost?
> What are the costs involved in getting a loan?
> What is the benefit to me to work with you?
> What are the steps involved in the loan process?
> Is there a prepayment penalty with the loan that I will be getting?
> How much is the prepayment penalty?
> Can I get an Interest Rate Lock in writing? How long does it last?
> If I got an Adjustable Rate Mortgage, what is the initial interest and what is the cap or margin between the initial and maximum interest rates?
> What is the best loan for my real estate plans?
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