DMOZ - Business: Financial Services: Mortgages

Very very few sites will be listed at this level, mainly a few unclassifiable sites or else sites _about_ the mortgage business.

Please submit your site to the appropriate subcategory

Sites with a United States-only focus should go to Business/Financial_Services/Mortgages/Regional/United_States or one of its state subcategories

Very very few sites will be listed at this level, mainly a few unclassifiable sites or else sites _about_ the mortgage business.

Please submit your site to the appropriate subcategory

Sites with a United States-only focus should go to Business/Financial_Services/Mortgages/Regional/United_States or one of its state subcategories

Associations

The Mortgage Associations category includes sites for global or national mortgage associations that aim to inform, support, and promote the mortgage profession.

Sites not listed in this category:

Associations with a narrow geographic focus are listed in the Regional branch according to the city or town which they cover.
Associations with related professional focus such as Business: Real Estate are listed in categories according to that focus.

Only sites for global or national associations will be listed in this category.

Associations with a narrow geographic focus (for example, local or state-wide organizations) should be submitted to the Regional branch according to the city or town which they cover.
Associations with a related professional focus (for example, banking associations or appraiser associations) should be submitted to a more specific category.

Calculators

This category lists web sites that have online mortgage calculators. These calculators help consumers make home financing decisions.

This category houses the following types of site : 1. Mortgage directories and lists 2. Interest rate pages This site is not for individual bankers, brokers or lenders. Please use the guide below to properly list your site if you don't belong here. Business: Financial Services: Mortgages: Mortgage Banking Mortgage Bankers Business: Financial Services: Mortgages: United States Mortgage services and companies that are offered for at least several states. Business: Financial Services: Mortgages: United States: (individual state) Firms applicable to their home state only.

This category houses the following types of site : 1. Mortgage directories and lists 2. Interest rate pages

Lead generator sites where you submit one form and many businesses see the form isn''t what ODP wants to list. Directory sites with only a handful of listings also aren''t what ODP wants to list. Directories need to be _comprehensive_ to get in. Covering all states but not having many mortgage businesses in each state is absurd, and such a site won''t get listed.

Marketing and Advertising

Includes links to sites offering advertising services in print, broadcast, interactive, or other media that are geared specifically towards the mortgage industry.

This category is for the listing of sites with a national or international presence.
Submitting your site to the wrong category will hinder your site''s addition to the directory.

For quicker placement in the directory please follow these Submission Tips:

Title: Name of Business or Organization

Description: This describes the website and should note distinguishing features found on the site without the use of hype, personal pronouns, or repetitive terms.

Mortgage Banking

Mortgage banking is making, selling and servicing mortgages secured by residential or commercial (i.e. income-producing) real estate. Mortgage bankers serve as middlemen, arranging and making loans using short-term funding, and then selling these loans to other lenders and investors, both within the U.S. secondary market and abroad. The buyers of mortgages include private conduits, commercial banks, thrifts, life insurance companies, pension funds, and, most significantly, the secondary market agencies -- Fannie Mae, Freddie Mac and Ginnie Mae -- through various securitization programs. Though some mortgage banking companies may be subsidiaries of depository institutions or their holding companies, mortgage companies themselves do not receive money from individual depositors.

Mortgage bankers are the primary suppliers of loans to the secondary market through programs administered by Fannie Mae, Freddie Mac and Ginnie Mae. Fannie Mae and Freddie Mac purchase primarily conventional mortgage loans, while Ginnie Mae is involved with government loans exclusively. All three agencies were created with a mission to provide liquidity to the mortgage market and affordable housing to homebuyers and renters. They currently channel approximately two-thirds of total home mortgage credit and, working with their mortgage banker partners, they have reduced the interest rate cost of credit by as much as 1/2 percent, according to housing experts.

Mortgage bankers also make use of a number of federal and state government programs to provide more affordable housing credit. For example, the U.S. Federal Housing Administration (FHA) provides mortgage insurance for residential mortgages. Over the course of its over 60-year history, FHA has insured home loans for some 20 million Americans. The U.S. Department of Veterans' Affairs (VA) administers the VA Home Loan Guaranty program which enables mortgage lenders to offer long-term, low-downpayment mortgage financing to eligible veterans. Mortgage bankers have long been the primary originators of FHA and VA loans. In addition, through a wide variety of state programs, mortgage bankers are the delivery vehicle for providing low interest rate financing to moderate-income homebuyers.

Mortgage bankers, in conjunction with their lending partners, serve a critical need in the United States. They make homeownership possible for tens of millions of Americans. They also help to build communities by providing financing for places where people can work and shop and play. And, they create important investment opportunities for the world's capital markets.

[The above quote is taken from the Mortgage Bankers Association of America website at http://www.mbaa.org/about/mission.html ]

Mortgage banking is making, selling and servicing mortgages secured by residential or commercial (i.e. income-producing) real estate. In other words, it is the sale of mortgages (and the promise of regular payments on those mortgages) to others interested in buying the risk and reward inherent in those mortgages.

Sites listed in this category must satisfy the above definition.

A Google search for mortgage banker turns up " An individual or company that originates mortgages exclusively for resale in the secondary mortgage market. " This is a simpler definition that also must be met.

News and Media

The Mortgage News and Media category covers news services, television or radio programs, newspapers, books, magazines and e-zines, and journals which deal exclusively with the mortgage industry.

Please submit sites for magazines, newspapers, or other media sources which deal with the global or national mortgage industry.

Media sites focussing on a related industry sector (for example, appraisal or commercial real estate) should be submitted to a more specific Business: Real Estate category.
Local media sites covering a single city or other small area should be submitted to the appropriate Regional category.

Processing

sites that market the Loan production and management software for lenders.

Regional

Submission Tips:

The ''Title'' submitted should be the company or trading name only as is shown on the home page of the web site and nothing else.

The url submitted should be that of the home page unless it is a sub page containing mortgage services related information that Directory users will find helpful (see also the calculator sub-category).

The description submitted should:

Have offices in more than one Australian state - See relevant sub category for state based listings.
Be objective, not subjective - The description should not use either promotional or superlative wording.
Relate directly to the information available on the web site, rather than the specific product types offered. Do not list every loan you offer, nor where you are located.
Describe what users can expect on the site - Everyone in this category offers the same service / product. What about your site is worth visiting to read? What sort of information will visitors find?

Please be aware that submissions which don''t comply with the above may not be accepted or may face delays before being approved.