When comparing mortgage lenders near me, I’d look at the complete cost of the loan instead of just the advertised interest rate. Ask about closing costs, loan terms, down-payment requirements, monthly payments, and any conditions that could affect the final loan. My American Capital offers a range of residential mortgage programs as well as refinancing, investment, non-QM, and commercial financing options. Reviewing several possibilities and asking questions before applying can help you understand which type of mortgage may work for your situation.