loans to people who would want them. Not all financial institutions offer loans, but all lending companies (whether or not they are affiliated with financial institutions like banks) are loan originators. In essence, mortgage loan originators can be:
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a financial institution that offer housing loans;
a lending company who specializes in all types of mortgages;
a lending company who specializes only in one type of mortgage (i.e. reverse mortgage);
a lending company who specializes only in one type of client base (i.e. for people with bad credit);
and a private lender who do not particularly specialize in any type of loan or client base, but gives the client the freedom to use the borrowed amount for mortgage purposes.
The one cardinal rule when trying to scope the range of mortgage loan originators is this: never settle for the first one.
As such, there are numerous loan originators out there. All of them have different company policies when it comes to their different loans. All of them have varying degrees as to the mode of payments applicable.
So, if a person really wants to avail of the best possible loans with the lowest interest rate and the friendliest payment scheme, it would be best to know precisely what loan is applicable for their situation, what company offers the best deal, what policies can be utilized to the maximum, what federal or local loans can be used with the policies (if ever) and what possible actions can be t