Best loan in today's market: fixed or adjustable?

(This is Part 1 of a two-part series.)

I've received many e-mails lately from home buyers who are worried about not being able to find a good mortgage lender.

Either they had a bad experience with their former lender or they're nervous because of all the ink they've been reading about big banks writing down their bad mortgage loans.

Choosing the right lender takes some time, effort, lots of phone calls and maybe even a few hours on the Internet, as you search through a myriad of companies offering a cornucopia of mortgage loan programs.

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