Know Whom You're Borrowing From

The lending industry is complex with many factors influencing interest rates, mortgage programs and loans. Although our job is to understand the institutions affecting your mortgage or loan, informing yourself about the financial institutions will also help you to make smart financial decisions.

Below are links to LTB and CMPS-provided PDFs about lending and how various financial institutions make decisions about lending.

What Lenders Look for in Home Loan Applications
How Purchase Loans Are Made
Interest Rates - When is the Best Time to Lock?
The Federal Reserve & Mortgage Rates
The Federal Reserve and You
Understanding the Role of the Federal Reserve