In today’s market, finding the right Palm Beach real estate mortgage loan is just as, if not more difficult than choosing the property you’ll eventually call home. The tougher lending practices plus the fewer amount of brokers mean there are less resources than before. Here are three good options worth exploring if you’re looking for a home loan.

Go on the web. There are several reputable websites like Zillow that can walk you through applying for a mortgage and closing with a broker or bank while presenting accurate fees and rates you’ll be paying. Any website that asks for your social security number upfront should be avoided.

Go with a broker. This option is great if you don’t fall under the category of the traditional person seeking a mortgage loan. While a broker won’t be required to disclose what he or she will be earning, they are tremendously beneficial is finding highly regarded lenders well versed in jumbo or exotic mortgages. Go to the bank. Perhaps the safest and best method (especially for the standard homebuyer), a loan officer with several years of experience who fully comprehends the local area can get you a very good mortgage rate.