Bad news first ... due to licensing restrictions, Loanlane can't help - we are limited to California.

Now the good news! There are mortgage companies in your area that want your business, and they'll compete for it. I should know about competition, I've been a mortgage broker for more than 20 years, and I started the Loanlane web site in 1994. That's before Yahoo, and before Google. The internet has allowed mortgage shoppers such as yourself to make well informed and non-rushed decisions.

Pressing the button at the bottom of this page will bring you to a form that describes what kind of loan or mortgage you're seeking. The lenders on the other end don't get any sensitive information yet, and they know you'll be getting more than one offer, so they'll have to win your business.

You tell them what you want, and they'll give you their best offer, often times below their published rates!

Take your time to decide which company you like - you're in the driver's seat. If you don't like a particular lender, or get an uneasy feeling - hit the delete button.

Remember, it's OK to deal with potential lenders via email ... you do not need to speak with them until they have proven their sincerity by putting their offer in writing. You can ask questions, check references, and most important: compare, compare, compare.

Good luck (sorry we can't help!), and feel free to contact me on my personal telephone line if you have questions.

Mark Leaver, Broker, Loanlane Residential Mortgage

(650) 321-7027