Here at Choice Finance®, we try to make rate shopping as quick and transparent as possible.  We are committed to providing you the lowest rate and fees for the mortgage program you are shopping for. 

That’s why we provide you links from our interest rate page to some of the most popular lenders.  We want to be completely transparent and show you an APPLES to APPLES comparison. 

When you click on these different companies you will see some are more transparent and straight-forward than others.  Consistently I find that E-LOAN is the easiest to get a rate quote from.  They are upfront and clear on their rates and fees on all programs. 

At the other end of the spectrum I’ve found Ditech to be the least upfront with their rates and available programs.  Ironic, since their latest commercials tell us how they are transparent in their practices.  They are upfront with one rate quote, and it’s consistently a very low rate with a lot of points.  Beyond that you are forced to register on their site to get more info or get it through their Live Chat mechanism.  Ditech does not do FHA. 

Quicken was consistent until recently… try clicking on their “30 year fixed” link or “5 year ARM” link.  Both links take you to pages that you have to scroll down the entire page before you can find the rate.  Once you do, you see the first is quoting you a 15 year fixed and the 5 year link takes you to a page that quotes a 7 year ARM.  Frustrating…

SunTrust and Wells Fargo do a good job of providing an easy to read spreadsheet with everything right there.  No clicking from page to page like with Quicken.  Wachovia and Bank of America make you go through a couple preliminary steps, but overall are easy to find and straight-forward with a spreadsheet just like SunTrust and Wells…. and of course Choice Finance®.