A site as useful as they come, eRate.com is the first thing you should do if you are considering or researching your mortgage, refinance loan or are about to take any such personal finance decision.
It belongs to a network of mortgage lenders around the country, and lets you find the most convenient rates for fixed or adjustable interests for a variety of medium and long term loans; the site’s interface is comfortable and allows users to search for loans in any state or based on specific needs, like repay period or amount. Though the market is certainly a crowded one, the fact that using this service is free for lenders puts eRate.com in a good competing position, plus the information on the terms of the mortgages is really to-the-point, listing monthly payments, rates, APR, points, fees and lock period. Other resources to be found on the site include calculators, tips for finding and securing successful investment opportunities, and articles on taxing benefits for those paying for mortgage. 
