These remain a major source of funding home mortgage loans. Commercial banks offer attractive loan terms, particularly if they evaluate their entire banking relationship with you. Credit unions .
Credit unions can offer competitive rates and terms for their members.
Mortgage bankers . Mortgage bankers borrow money from banks or pools of investors, underwrite the loans, and sell them to investors for a profit. They often receive fee income from these investors for servicing your mortgage. This includes collecting monthly payments, sending out loan statements, and collecting on late payments. For more information, see the Web site of the Mortgage Bankers Association .