Home loans

Are you in one of the many states that is experiencing a high foreclosure rate? Or are you in one of the states that is not affected that much at all? California and Florida seem to be the worse ones for foreclosures so far. In those states you might find a tightened qualifying standards for home loans. I live in Oregon which has not been affected that much by the home loan crisis thus far. The Oregon mortgage rates can vary depending on the type of home you have. Many homes here in Oregon are manufactured and not stick built so they require a different type of home loan. When investigating mortgage rates you want to keep that in mind.