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When youre going through the loan process, the time will come when you are in a 30-day window where you can decide when to lock in your mortgage rate. Dont drive yourself crazy waiting to see if you can shave an extra eighth of a percent off. You might find youve waited too long and missed an opportunity. From the “Your Mortgage and Your Money” audio series from Quicken Loans. Read the full trancript or download the audio here – www.quickenloans.com

Quicken Loans client Dayna from Utah, discusses in this video review how Quicken Loans helped her to refinance her home. Dayna and her husband, first tried to refinance their home with a major bank in Salt Lake City, but after being run around throughout their process with them, Dayna and her husband decided to switch lenders. Quicken Loans was referred to them through a friend. Jesse Kernc, their mortgage banker, was able to make their process quick and easy. They were able to close their loan in only a couple of weeks. Closing took place at their home and because their refinance was so simple, Dayna and her husband decided to refinance their investment property as well with Quicken Loans and Jesse Kernc. Quicken Loans is the only way they would do a loan ever again. They recommend Quicken Loans and Jesse Kernc to anyone looking for a mortgage or refinance.

Quicken Loans client James from Mississippi talks about how Quicken Loans got him a lower interest mortgage rate. Every question he asked was answered and he was totally satisfied with the customer service he received during his mortgage refinance. He highly recommends Quicken Loans in this video customer testimonial review.

Quicken Loans clients Kyle from Virginia, discusses in this video testimonial how Quicken Loans helped him with his relocation. With the help of Dana Staniec his mortgage banker as well as Rose Qaza his Client Care Specialist, Kyle was able to easily go through his loan process. Kyle was able to lock in a great rate at a good time on his mortgage. Kyle loves his new home and recommends Quicken Loans to anyone looking to receive a mortgage or refinance.

Congress has lifted the conforming loan limits in thousands of counties across the country. The government is allowing mortgage giants Fannie Mae and Freddie Mac to buy more — and larger loans. And the FHA has rolled out its jumbo loan. Read the full transcript at www.quickenloans.com

Top 10 US companies for Mortgage Refinance

Home mortgage refinance services have definitely picked up in the second quarter of 2009. The increase in mortgage refinance operations account for an increase of 24 percent compared to the previous quarter performance.

While the economic meltdown did wash away even some of the giants in the industry, only a few able to stand the storm and rise again. Very low interest rates and home mortgage lending and refinancing spree has given rise to the increase in the number of loan disbursements.

Are you really interested in knowing the top 10 performers during the second quarter of 2009? Well, then here is a list of US Companies that have fared well in the business of mortgage loans and refinancing.

Top 10 US companies for Mortgage Refinance

* Well Fargo – Sustaining its position as one of the countries leading mortgage lender Wells Fargo tops the list of best mortgage refinance companies in the US. Home loan originations have seen a substantial rise in the second quarter of 2009 of 28%, which means big business. The company has definitely picked up from its previous performances.

* Citigroup - After all the drama and climax, finally Citigroup started recovering with substantial business and a fairly increased production of home loans and refinances. 42% increase in business during the second quarter is a positive note.

* Bank of America – Finding a place in top 10 list of mortgage refinance lenders Bank of America a definite performer in the mortgage business. Its loan origination figures have crossed $100 billion.

* Residential Capital LLC – Residential capital is a real estate finance company offering innovative capital solutions to customers from across the world. The company is a market leader both in the US and UK.

* Met Life Inc – The Company has operations in India and most parts of Europe and Asia. Together with insurance services the company also offers financial services to its customers.

* Quicken Loans – A variety of home mortgage loans are offered by the company. It is one of the best online home mortgage loan processing company and retail mortgage lender.

* Sun Trust Bank Inc – It specializes in a number of services like banking, mortgage lending, credit card, mutual funds, insurance and asset management services. The bank has more than 1500 branches in southern United States.

* Flagstar Bank Corp – Consumer financing, mortgage financing, asset management and banking services are the products offered by Flagstar. It is the holding company for Flagstar Bank. It is a national leader in the business of mortgage lending.

* JP Morgan – One of the oldest financial services company, JP Morgan offers a number of services namely commercial banking, investment, card and retail financial services namely mortgage lending and auto finance. It has the largest market capitalization among the banks in the US.

* US Bank Home Mortgage – US bank specializes in online banking, credit card processing, loans especially mortgage loans and wealth management. Online home mortgage processing and refinancing services offers great advantage prospective borrowers looking forward to find the best of home mortgage deals.

* PHH Mortgage- PHH offers one of the leading and best of Mortgage Solutions in the country. With its process efficiency, multi channel business, customer service it offers mortgage loan and refinancing services at a different level altogether.

The number of people running around to catch hold of the ideal mortgage has the best options online. It is said that over the next 5 years, ten to twenty percent of mortgages will mainly be Internet-based and eighty five percent of equity and refinanced mortgages will be done electronically. This is due to the fact that the Internet ensures that the job of comparing loans is quick and easy. And added advantage is that loans taken online provide a twenty four-hour convenience, are processed sooner and are more economical.

Everything comes with a risk so does the mortgage; online mortgages are not without their dangers.

Rather than offering the loans directly itself, LendingTree gathers up financial and personal information from customers and then submits the acquired information to its member banks that then competes for your business.

E-loans are fast, convenient and simple. You are just required to fill out an application from your computer. You are normally approved or disapproved within a matter of few minutes. Firstly, it has to be kept in mind that the credit rate can affect the amount and interest rate of your loan. It is quite pivotal that you check your credit score before you start looking for a loan. The hitch that comes into picture is the revealing of your personal information on-line, if the thought of entering so much personal data on- line worries you, then you can call and speak live with a LendingTree representative. They will take your information over the phone and then forward it electronically to the member banks and other lenders for evaluation.

Quicken loans come with a no down-payment scheme that makes it easier for the applicant to go ahead with applying for a loan that does not cause any problems for him in accordance to his finances. Online financial services at their best: fast, cheap, and convenient also includes shedding of unwanted paperwork. But it has a disadvantage that of commonly experienced dishonesty, failure to update clients on potential changes and promises that only seems to be speculations. The applicant must go through various reviews of people who had opted for quicken loans as they would be able to give a better insight into the choice of mortgage loans to opt for.

Options are many, the choice from the alternatives depends solely on you as an applicant, as the wiser choice you make the better will you stand as mortgage loan applicant.