While I never "push" one lender, inspector, contractor etc over another, I do pass along what I consider useful info. And this particular company does have what I consider an unique mortgage loan. No, it is not an EZ credit loan but if you qualify, it is absolutely worthwhile. Since most people move every 5-7 years they have loans with fixed rates for either 5 or 7 years and some low rates. Better yet, they have some of the lowest closing cost I have ever seen, even in the days of easy credit. Their closing cost are about half of the national average! What they eliminate from closing cost are the usual "fees" associated with a mortgage, which I have always told my clients were just "profit" for the lender. As an example, let's say you are looking at a home priced at $135k. "Normal" closing cost would run about $4000 and with this company it would be around $2000. Nice $2000 saving right off the bat! With the 20% down payment, your monthly payments would be only $630 for the first 5 years or $656 for 7 years. Very affordable! You can check them out at www.ingdirect.com  Click on "learn more" and go to their calculators to get different loan amounts, payments, savings etc. Check 'em out, it could save you some nice money. Have you run across any loan programs that are good? Let me know about them and I'll pass along the info, since informed buyers are better buyers.