Recently, there are reports about mortgage lenders handling their customers badly. At times charging unreasonable fees, mislaid papers, payments and taking ages to deal with applications, difficulties and complaints. The fundamental problem is that they do not look to fix these practices even after being fined by the regulators and legal system. Although you could sue these companies you will not have resources to win against their fancy lawyers. The simple solution is to stay away from them at the origination of your loan.Determining an ethical home loan lender does not seem to be straightforward. The size of the institution does not guarantee that they would attempt to hold a distinction. It appears that the bigger ones are the leading culprits, just read a few recent articles about foreclosure fiasco and you will recognize the major names all over the press.Besides those distress, choosing a decent mortgage provider is not the end of it. Mortgages are now a commodity in today’s environment and therefore they they change hands all the time. Additionally there are processing firms acting for the lenders,too. For that reason you may only get in contact with the processing firm normally. A massive mortgage loan provider with a high street presence does not appear to solve much problems as you might be redirected to their processing center for any current mortgage problems. As these branches are loan shops rather than problem solving centers.The web provides sources to find out what kind of problems people are having with some companies. This might be a good way of finding out about the lender. Another good source of mortgage lenders are the intermediaries. There are some good online home mortgage loan sources that do a decent job of listing the reputable lenders. These companies invest noticeable amount of money on technologies to offer refinance outlet for the borrowers. They would not allow a bad firm injure their credit. If a business establish a presence online, they appreciate really well that stories circulate rapid on the internet and they would not like that. So these firms could be seen as a center for sorting prime companies.Nonetheless it must be stressed upon that people like to be alarmist. Apart from one or two consistent offenders there could be contained problems with any provider, in particular with the bigger ones. What you should worry is the systemic failures. The ones that turned cheating their customers into a regular practice.The necessity to attain the best home mortgage rates still remains to be the key aim. When you have lenders providing similar rates, you may do a search on them on the internet and see if any of them face a particularly bad reputation. What must not be done is that begin with seeking for the banks to ask quotes. That could take much time and not result in getting the best deal usually.