Although not a definite rule, most reputable mortgage lenders will have some kind of solid foundation based on previous client's testimonials. (fhaloanpros.com)
Regardless of government regulations, reputable mortgage lenders typically warn borrowers of credit score issues and, if possible, try to work with borrowers to improve their scores. (totalmortgage.com)
Often, less reputable mortgage lenders will come out of the woodwork offering refinancing opportunities with no points and no fees. (stockmonkeys.com)