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Another avenue for home loans is credit unions.  Although the credit union market share of the mortgage industry is still very small, it is growing.  Credit union rates and fees are often more competitive than banks and mortgage brokers, so it is definitely worth considering.

Credit union membership is becoming available to more and more people.  You may be able to join a credit union through your employer or another organization you belong to.  Also check with your family as some credit unions will accept extended family members.

For more information as well as a list of credit unions, refer to www.bankrate.com/brm/news/cu/states/CA.asp and www.ncua.gov.

Everyone has a different situation when it comes to getting a home loan.  You need to do your homework to find the best program for your needs.  Check out your bank and a good mortgage broker, and also, if possible, a credit union.  By looking at all avenues you are sure to find a loan that works best for you.