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As a matter of general information, when selecting a mortgage company or broker, survey many different lenders to find the best interest rates as well as the loan package best suited to your individual needs. Understand what rates and points are charged for the various fixed and adjustable financing available. Examine such requirements as the lowest acceptable downpayment and if private mortgage insurance is required. Additionally, determine what is required to "lock-in" on a rate quote, how long the application process typically takes, and what fees may be associated with processing an application.

Become educated in what types of mortgages are available and the mortgage process itself. Consumers may wish to contact the office of Banking & Finance which regulates mortgage companies in the state of Georgia. Additionally, the Mortgage Bankers Association of Georgia, a membership organization which maintains standards and handles complaints on mortgage companies, may be contacted at 478-743-6255.

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