G AND E MORTGAGE AND INVESTMEN
FHA MORTGAGE DEPARTMENT
16782 NE 4TH PLACE
N MIAMI BEACH, FL  33162
Phone: (305) 770-0101

G AND L BANK
FHA MORTGAGE DEPARTMENT
270 N PALAFOX STREET
PENSACOLA, FL  32501
Phone: (850) 316-4000

GAINESVILLE MORTGAGE CO INC
FHA MORTGAGE DEPARTMENT
2622 NW 43 STREET SUITE A-1
GAINESVILLE, FL  32606
Phone: (800) 226-6044

GALAXY TRUST MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
1460-A NW 107 AVE
MIAMI, FL  33172
Phone: (305) 592-0124

GENERAL MORTGAGE CORP OF AMERI
FHA MORTGAGE DEPARTMENT
8191 COLLEGE PKWY SUITE 202
FT MYERS, FL  33919
Phone: (941) 790-5626

GENESIS MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
4216 LITTLE ROAD
NEW PORT RICHEY, FL  34655
Phone: (727) 375-1307

GERALD S GRADOWSKI INC
DBA AMERICAN HOME MORTGAGE
2198 NE COACHMAN RD STE H
CLEARWATER, FL  33765
Phone: (813) 441-9975

GHI CORPORATION
DBA US CAPITAL MORTGAGE
175 FONTAINEBLEAU BLV NO 1-C
MIAMI, FL  33172
Phone: (305) 226-0570

GHS MORTGAGE LLC
FHA MORTGAGE DEPARTMENT
4890 W. KENNEDY BLVD, STE 620
TAMPA, FL  33609
Phone: (813) 371-6641

GIBRALTAR BANK FSB
FHA MORTGAGE DEPARTMENT
220 ALHAMBRA CIRCLE FIFTH FL
CORAL GABLES, FL  33134
Phone: (305) 476-1982

GLOBAL MORTGAGE CORPORATION OF
DBA DIVERSIFIED MTG BROKERS
14018 NORTH FLORIDA AVENUE
TAMPA, FL  33613
Phone: (813) 908-8977

GOLD COAST INVESTMENTS AND MTG

1601 PALM AVE STE 203
PEMBROKE PINES, FL  33026
Phone: (305) 432-1101

GOLD STANDARD FINANCIAL CORP
FHA MORTGAGE DEPARTMENT
20535 NW 2ND AVE STE 203
MIAMI, FL  33169
Phone: (305) 651-5600

GOLDEN RULE MORTGAGE
FHA MORTGAGE DEPARTMENT
792 W LUMSDEN ROAD
BRANDON, FL  33511
Phone: (813) 653-2644

GOOD FAITH MORTGAGE INC
PRESIDENT
2113 GULF BOULEVARD
INDIAN ROCKS BEACH, FL  33785
Phone: (727) 517-1809

GRANGER MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
4800 26TH STREET WEST
BRADENTON, FL  34207-1705
Phone: (813) 755-0009

GREAT AMERICAN CAPITAL CORPORA
FHA MORTGAGE DEPARTMENT
11488 QUAIL ROOST DR
MIAMI, FL  33157
Phone: (305) 255-0989

GREAT CAPITAL MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
8500 S.W. 8 ST. SUITES 258-260
MIAMI, FL  33144
Phone: (305) 269-3140

GREAT COUNTRY MORTGAGE BANKERS
FHA MORTGAGE DEPARTMENT
2850 DOUGLAS RD PENTHOUSE
CORAL GABLES, FL  33134
Phone: (786) 552-1010

GREAT LAKES MORTGAGE CORP
GREAT LAKES MTG CORPORATION
9380 SW 72ND AVENUE STE B-160
MIAMI, FL  33173-3251
Phone: (305) 228-1300

GREAT LOANS MORTGAGE FUNDING I
FHA MORTGAGE DEPARTMENT
777 EAST HIGHWAY 436 STE 201
ALTAMONTE SPRINGS, FL  32701
Phone: (407) 831-4777

GREEN APPLE INTERNATL ASSETS
DBA CONSTITUTION MORTGAGE CO
3825 HENDERSON BLVD STE 200
TAMPA, FL  33629
Phone: (813) 286-1512

GUARANTEED MORTGAGE BROKERS IN
DBA GUARANTEED MTG BANKERS
486 WEST HILLSBORO BLVD
DEERFIELD BEACH, FL  33441
Phone: (954) 725-4496

GUARANTY MORTGAGE FINANCIAL SE
FHA MORTGAGE DEPARTMENT
4302 HENDERSON BLVD STE 106
TAMPA, FL  33629-5608
Phone: (813) 250-0811

GUARANTY NATIONAL BANK – TALLA
FHA MORTGAGE DEPARTMENT
1706 W TENNESSEE STREET
TALLAHASSEE, FL  32304
Phone: (904) 656-1333

GULF AND SOUTHERN MTG CORP
FHA MORTGAGE DEPARTMENT
5521 38TH AVENUE NORTH
SAINT PETERSBURG, FL  33710
Phone: (727) 344-3995

GULF ATLANTIC FUNDING GROUP
FHA MORTGAGE DEPARTMENT
5400 S UNIVERSITY DR SUITE 603
DAVIE, FL  33328
Phone: (954) 252-1760

GULF ATLANTIC MORTGAGE OF THE
FHA MORTGAGE DEPARTMENT
1509 53RD AVENUE W STE 100-200
BRADENTON, FL  34207
Phone: (941) 739-6336

GULFSTREAM MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
1948 NE 123RD STREET STE 101
NORTH MIAMI, FL  33181
Phone: (305) 895-0004

H M M ENTERPRISES INC
DBA BECKMAN MORTGAGE
2205 SAWGRASS VILLAGE DRIVE
PONTE VEDRA BEACH, FL  32082
Phone: (904) 285-0060

HALLMARK MORTGAGE SERVICES INC
FHA MTG DEPT – SUITE 280
14310 NORTH DALE MABRY HWY STE
TAMPA, FL  33618
Phone: (813) 960-1150

HAMPTON MORTGAGE COMPANY INC
FHA MORTGAGE DEPARTMENT
16632 SADDLE CLUB ROAD
WESTON, FL  33326
Phone: (954) 217-9099

HARBOR FEDERAL SAVINGS BANK
FHA MORTGAGE DEPARTMENT
601 ATLANTIC AVENUE
FORT PIERCE, FL  34950-4393
Phone: (407) 461-2414

HASTY MORTGAGE CORPORATION
FHA MTG DEPT – SUITE 101
6700 BROKEN SOUND PARKWAY NW
BOCA RATON, FL  33487
Phone: (561) 997-5626

HAVEN FEDERAL SAVINGS AND LOAN

250 SECOND ST. S.W.
WINTER HAVEN, FL  33880
Phone: (813) 294-7511

HAYHURST MORTGAGE INC
FHA MORTGAGE DEPARTMENT
2601 S BAYSHORE DR STE 250
MIAMI, FL  33133
Phone: (305) 857-0222

HERITAGE HOME FINANCE CORP
FHA MORTGAGE DEPARTMENT
110 PARK PLACE BLVD
KISSIMMEE, FL  34741
Phone: (407) 846-7101

HERITAGE MORTGAGE CORP OF SW F
FHA MORTGAGE DEPARTMENT
3417-F TAMIAMI TRAIL
PORT CHARLOTTE, FL  33952
Phone: (941) 627-2277

HERITAGE MORTGAGE OF NW FLORID
FHA MORTGAGE DEPARTMENT
4980 S FERDON BLVD
CRESTVIEW, FL  32536
Phone: (850) 682-8848

HMC FUNDING INC
FHA MORTGAGE DEPARTMENT
1000 W MCNAB ROAD STE 251
POMPANO BEACH, FL  33069
Phone: (954) 788-8546

HOLLYWOOD MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
6047 MIRAMAR PARKWAY
MIRAMAR, FL  33023
Phone: (305) 983-2598

HOME CAPITAL PLUS INC
FHA MORTGAGE DEPARTMENT
4534 W VILLAGE DRIVE
TAMPA, FL  33624
Phone: (813) 908-3466

HOME EQUITY MORTGAGE CORPORATI
FHA MORTGAGE DEPARTMENT
7333 CORAL WAY
MIAMI, FL  33155
Phone: (305) 261-5400

HOME FINANCE CO OF AMERICA INC
FHA MORTGAGE DEPARTMENT
1790 W 49TH STREET STE 100-B
HIALEAH, FL  33012
Phone: (305) 825-3980

HOME FINANCING CENTER INC
FHA MORTGAGE DEPARTMENT
1390 SOUTH DIXIE HWY STE 1104
CORAL GABLES, FL  33146
Phone: (305) 661-4663

HOME FUNDING CORPORATION
FHA MORTGAGE DEPARTMENT
2700 WESTHALL LANE SUITE 145
MAITLAND, FL  32751
Phone: (407) 661-1992

HOME LENDING CENTER INC
FHA MORTGAGE DEPARTMENT
7900 N UNIVERSITY DR STE 201A
TAMARAC, FL  33321
Phone: (954) 720-3312

HOME LOAN ASSISTANCE CENTERS
DBA GOVERNMENT EMPLOYEE MTG CO
100 E ALTAMONTE DRIVE
ALTAMONTE SPRINGS, FL  32714
Phone: (407) 786-4445

HOME MORTGAGE CENTER INC
FHA MORTGAGE DEPARTMENT
17903 CRAWLEY ROAD
ODESSA, FL  33556
Phone: (727) 799-1420

HOME MORTGAGE CORP OF AMERICA
FHA MORTGAGE DEPARTMENT
6130 VAN BUREN STE 102
HOLLYWOOD, FL  33023
Phone: (954) 963-7829

HOME MORTGAGE FUNDING CORP
DBA HOME MORTGAGE FUNDING
8900 SW 117 AVENUE, #B-104
MIAMI, FL  33186
Phone: (305) 596-0060

HOME MORTGAGE LOANS TREASURE C
FHA MORTGAGE DEPARTMENT
9445 S W 40 STREET 2ND FLOOR
MIAMI, FL  33165
Phone: (305) 273-7800

HOME MORTGAGEE CORP
FHA MORTGAGE DEPARTMENT
28870 US HWY 19 N SUITE 408
CLEARWATER, FL  33761
Phone: (727) 712-8080

HOME SECURITY MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
725 71ST STREET SUITE 200
MIAMI BEACH, FL  33141
Phone: (305) 270-8000

HOMEBUYERS FUNDING LLC
FHA MORTGAGE DEPARTMENT
611 N WYMORE ROAD SUITE 221-A
WINTER PARK, FL  32789
Phone: (407) 294-0978

HOMES COM INC
DBA HOMEMORTGAGE COM
420 LINCOLN ROAD SUITE 506
MIAMI BEACH, FL  33139
Phone: (305) 535-8079

HOMESIDE FUNDING CORPORATION
FHA MORTGAGE DEPARTMENT
7301 BAYMEADOWS WAY STE 293
JACKSONVILLE, FL  32256
Phone: (904) 281-3646

HOMESIDE HOLDINGS INC
FHA MORTGAGE DEPARTMENT
7301 BAYMEADOWS WAY
JACKSONVILLE, FL  32256
Phone: (904) 464-4000

HOMESIDE LENDING INC

7301 BAYMEADOWS WAY
JACKSONVILLE, FL  32256
Phone: (904) 281-3000

HOMESIDE LENDING INC
FHA MORTGAGE DEPARTMENT
7301 BAYMEADOWS WAY
JACKSONVILLE, FL  32256
Phone: (904) 281-3292

HOMESITE MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
6767 WICKHAM ROAD
MELBOURNE, FL  32940
Phone: (321) 751-0037

HOMESOURCE CAPITAL MORTGAGE CO
FHA MTG DEPT VP OF OPERATIONS
1440 W. INDIANTOWN ROAD
JUPITER, FL  33458
Phone: (561) 748-6544

HOMESOURCE FINANCIAL CORPORATI
FHA MORTGAGE DEPARTMENT
140 N. ORLANDO AVE. #150
WINTER PARK, FL  32789
Phone: (407) 678-2121

HOMESOUTH MORTGAGE CORPORATION
10151 DEERWOOD PARK BLVD
BUILDING 200 STE 250
JACKSONVILLE, FL  32256
Phone: (904) 996-0911

HOMESTEAD FINANCIAL SERVICES I
FHA MORTGAGE DEPARTMENT
2662 SW PT ST LUCIE BLVD
PORT ST LUCIE, FL  34953
Phone: (561) 336-7722

HOMESTEAD LENDING CORPORATION
FHA MORTGAGE DEPARTMENT
10225 ULMERTON ROAD, UNIT 12-A
LARGO, FL  33771
Phone: (727) 518-1618

HOMETOWN FINANCIAL PARTNERS LP
FHA MORTGAGE DEPARTMENT
2290 ARVIDA PKWY
FORT LAUDERDALE, FL  33326
Phone: (954) 349-0563

HOMETOWN MORTGAGE LENDING COMP
FHA MORTGAGE DEPARTMENT
23494 WESTCHESTER BOULEVARD
PORT CHARLOTTE, FL  33980
Phone: (941) 624-3939

HOMETRUST MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
6122 WASHINGTON STREET
HOLLYWOOD, FL  33023
Phone: (954) 964-1704

HORIZON BANK FSB
FHA MORTGAGE DEPARTMENT
1851 NW 125TH AVE SUITE 100
PEMBROKE PINES, FL  33028
Phone: (954) 443-6400

HOUSING AME MORTGAGE COMPANY
FHA MORTGAGE DEPARTMENT
2650 N MILITARY TRAIL STE 250
BOCA RATON, FL  33431
Phone: (407) 994-2080

HUNTINGTON NATIONAL BK-FLORIDA
FHA MORTGAGE DEPARTMENT
253 NORTH ORLANDO AVENUE
MAITLAND, FL  32751
Phone: (407) 740-8810

IBERIA MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
543 NW 77 STREET STE 202
BOCA RATON, FL  33487
Phone: (561) 989-8170

IBM SOUTHEAST EMPLOYEES FEDERA

790 PARK OF COMMERCE BLVD
BOCA RATON, FL  33487
Phone: (561) 982-4754

ICON CAPITAL MORTGAGE FUNDING
FHA MORTGAGE DEPARTMENT
1820 WEST COLONIAL DRIVE
ORLANDO, FL  32804
Phone: (407) 648-2707

IDL MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
6338 PRESIDENTIAL CT
FORT MYERS, FL  33919
Phone: (813) 482-8686

IMPACT LENDING INC
FHA MORTGAGE DEPARTMENT
6623 US HWY 19
NEW PORT RICHEY, FL  34652
Phone: (727) 853-1800

IMPERIAL LENDERS CORPORATION
FHA MORTGAGE DEPARTMENT
275 FONTAINEBLEAU BLVD STE 225
MIAMI, FL  33172
Phone: (305) 223-5626

INDEPENDENCE MORTGAGE CORP AME
FHA MORTGAGE DEPARTMENT
2699 LEE ROAD SUITE 600
WINTER PARK, FL  32789
Phone: (407) 645-0065

INDEPENDENT BANK OF OCALA
FHA MORTGAGE DEPARTMENT
60 S W 17TH STREET
OCALA, FL  32674
Phone: (904) 622-2377

INDEPENDENT MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
698 W HIGHWAY 50
CLERMONT, FL  34711
Phone: (904) 394-4003

INDIAN RIVER NATL BANK
FHA MORTGAGE DEPARTMENT
929 21ST STREET
VERO BEACH, FL  32960
Phone: (561) 563-2525

INEEDA MORTGAGE INC
FHA MORTGAGE DEPARTMENT
7452 ROYAL PALM BLVD
MARGATE, FL  33063
Phone: (954) 970-5333

INFINITI CAPITAL BANKERS CORP
DBA INFINITI CAPITAL-COM
7955 CORAL WAY SUITE B
MIAMI, FL  33155
Phone: (305) 264-4677

INNOVATIVE FINANCIAL SERVICES
FHA MORTGAGE DEPARTMENT
5401 S KIRKMAN RD STE 450
ORLANDO, FL  32819
Phone: (407) 351-1172

INNOVATIVE PROPERTY SERVICE IN
DBA I P S MORTGAGE CORP
2700 NORTH 29TH AVE STE 203
HOLLYWOOD, FL  33020
Phone: (954) 926-8008

INTEGRITY MORTGAGE GROUP INC
FHA MORTGAGE DEPARTMENT
4370 S TAMIAMI TRAIL STE 103
SARASOTA, FL  34231
Phone: (941) 925-8525

INTERAMERICAN BANK FSB

9190 CORAL WAY
MIAMI, FL  33165
Phone: (305) 223-1434

INTERAMERICAN BANK OF MIAMI

8390 N.W. 27TH AVE.
MIAMI, FL  33147
Phone: (000) 000-0000

INTERBANC MORTGAGE SER INC
FHA MORTGAGE DEPARTMENT
237 LOOKOUT PLACE 2ND FLOOR
MAITLAND, FL  32751
Phone: (407) 539-1300

INTERBAY FUNDING LLC
FHA MORTGAGE DEPARTMENT
2601 SOUTH BAYSHORE DR,STE 400
MIAMI, FL  33133
Phone: (800) 457-5105

INTERSTATE FINANCIAL MORTGAGE
FHA MORTGAGE DEPARTMENT
9200 S. DADELAND BLVD. #600
MIAMI, FL  33156
Phone: (305) 226-7700

IVANHOE FINANCIAL INC
FHA MORTGAGE DEPARTMENT
604 COURTLAND ST SUITE 320
ORLANDO, FL  32804
Phone: (407) 599-0900

HAWTHORNE CREDIT UNION
FHA MORTGAGE DEPARTMENT
895 SIERRA WAY
HAWTHORNE, NV  89415-2288
Phone: (702) 945-2421

HOME MARKETING SERVICE INC
FHA MORTGAGE DEPARTMENT
7311 W CHARLESTON BLVD 110
LAS VEGAS, NV  89117
Phone: (702) 804-5889

HOMETOWN MORTGAGE LLC
FHA MORTGAGE DEPARTMENT
6121 LAKESIDE DRIVE
RENO, NV  89511
Phone: (775) 828-3888

ICON MORTGAGE INC
FHA MORTGAGE DEPARTMENT
8665 W FLAMINGO RD SUITE 2013
LAS VEGAS, NV  89147
Phone: (702) 933-2072

INTERMOUNTAIN MORTGAGE CO

5290 NEIL ROAD SUITE 176
RENO, NV  89502
Phone: (702) 825-5102

INTOHOMES LLC
FHA MORTGAGE DEPARTMENT
961 MATLEY LANE SUITE 105
RENO, NV  89502
Phone: (775) 329-3088

JAYNA INC
DBA ATLAS MORTGAGE
800 N RAINBOW BLVD SUITE 208
LAS VEGAS, NV  89107
Phone: (702) 948-5077

LENDING SERVICES CORPORATION
DBA LAS VEGAS MORTGAGE CO
3340 S TOPAZ SUITE 100
LAS VEGAS, NV  89121
Phone: (702) 737-9222

MATES MORTGAGE INC
FHA MORTGAGE DEPARTMENT
5280 S EASTERN AVENUE STE A1
LAS VEGAS, NV  89119
Phone: (702) 891-5404

MONEY FIRST FINANCIAL SERVICES
FHA MORTGAGE DEPARTMENT
6175 SPRING MOUNTAIN RD STE 2B
LAS VEGAS, NV  89102
Phone: (702) 368-3800

MORTGAGE DEPOT INC
FHA MORTGAGE DEPARTMENT
1324 SOUTH EASTERN AVE
LAS VEGAS, NV  89104
Phone: (702) 384-3184

MORTGAGE LOAN SPECIALISTS GROU
FHA MORTGAGE DEPARTMENT
590 DOUBLE EAGLE CT SUITE 100
RENO, NV  89511
Phone: (702) 850-1550

MORTGAGE ONE OF NEVADA INC
FHA MORTGAGE DEPARTMENT
5275 SO ARVILLE STREET STE 304
LAS VEGAS, NV  89118
Phone: (702) 933-3339

MORTGAGE OPTIONS INC
FHA MORTGAGE DEPARTMENT
321 W WINNIE LANESUITE 105
CARSON CITY, NV  89703
Phone: (775) 887-1116

MORTGAGE SOURCE INC
FHA MORTGAGE DEPARTMENT
3765 E SUNSET ROAD SUITE 3
LAS VEGAS, NV  89120
Phone: (702) 547-0500

NEVADA FEDERAL CREDIT UNION

2645 S MOJAVE
LAS VEGAS, NV  89121
Phone: (702) 382-4094

NEVADA MORTGAGE INC
FHA MORTGAGE DEPARTMENT
375 N STEPHANIE ST BLDG 2
HENDERSON, NV  89014
Phone: (702) 732-7777

NEW HOME MORTGAGE GROUP INC
FHA MORTGAGE DEPARTMENT
2820 W CHARLESTON BLVD STE C24
LAS VEGAS, NV  89102
Phone: (702) 880-3824

NORTHERN PACIFIC MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
6625 W SAHARA AVE SUITE 3
LAS VEGAS, NV  89146
Phone: (707) 525-6060

NORWEST PINNACLE MORTGAGE
DBA PINNACLE MORTGAGE
1090 CAUGHLIN CROSSING
RENO, NV  89509
Phone: (775) 746-7111

NV MORTGAGE INC
FHA MORTGAGE DEPARTMENT
3225 S RAINBOW BLVD BLDG A 200
LAS VEGAS, NV  89146
Phone: (702) 437-3343

NASSAU SAVINGS AND LOAN ASSN B

2815 ATLANTIC
BROOKLYN, NY  11207
Phone: (000) 000-0000

NATION’S STANDARD MORTGAGE COR

150 WHITE PLAINS ROAD
TARRYTOWN, NY  10591
Phone: (914) 631-6060

NATIONAL BANK OF GENEVA

TWO SENECA STREET
GENEVA, NY  14456
Phone: (315) 789-2300

NATIONAL UNION BANK KINDERHOOK
FHA MORTGAGE DEPARTMENT
ONE HUDSON STREET
KINDERHOOK, NY  12106
Phone: (518) 758-7101

NATIONRESIDENTIAL MORTGAGE BAN
FHA MORTGAGE DEPARTMENT
ONE RABRO DRIVE
HAUPPAUGE, NY  11788
Phone: (516) 232-1133

NBT BANK NA
FHA MORTGAGE DEPARTMENT
52 S BROAD STREET
NORWICH, NY  13815
Phone: (607) 335-6000

NEIGHBORHOOD MORTGAGE BANKERS
FHA MORTGAGE DEPARTMENT
139 NORTH CENTRAL AVENUE
VALLEY STREAM, NY  11580
Phone: (516) 593-9494

NEW YORK MORTGAGE COMPANY LLC
FHA MORTGAGE DEPARTMENT
304 PARK AVENUE SOUTH 7TH-FL
NEW YORK, NY  10010
Phone: (212) 634-9400

NOMURA ASSET CAPITAL CORPORART
FHA MORTGAGE DEPT
2 WFC BLDG 8 18TH FL – LEGAL
NEW YORK, NY  10281
Phone: (212) 667-9300

NOMURA CREDIT AND CAPITAL INC
CORPORATE SECRETARY – BLDG B
2 WORLD FINANCIAL CTR 18TH FL
NEW YORK, NY  10281-1198
Phone: (212) 667-9480

NORSTAR BANK

524 CENTRAL AVE
CEDAR HURST, NY  11516
Phone: (000) 000-0000

NORSTAR BANK N A
NORSTAR BUILDING
10 FOUNTAIN PLAZA
BUFFALO, NY  14202
Phone: (716) 862-6700

NORSTAR BANK OF CENTRAL NY

1 CLINTON SQUARE / POB 4821
SYRACUSE, NY  13221
Phone: (315) 471-7101

NORSTAR BANK OF HUDSON VALLEY
FHA MORTGAGE DEPARTMENT
1051 UNION AVE
NEWBURGH, NY  12550
Phone: (000) 000-0000

NORSTAR MORTGAGE CORPORATION

1600 STEWART AVE
WESTBURY, NY  11590
Phone: (212) 486-7575

NORTH COUNTRY MTG BANKING COR
PRESIDENT
3100 VETERANS MEMORIAL HIGHWAY
BOHEMIA, NY  11716
Phone: (631) 585-6262

NORTH FORK BANK
INSURANCE DEPARTMENT
9025 MAIN ROAD
MATTITUCK, NY  11952
Phone: (516) 298-5000

NORTHERN FUNDING CORP
FHA MORTGAGE DEPARTMENT
634 PLANK ROAD SUITE 107
CLIFTON PARK, NY  12065
Phone: (518) 371-6886

NORTHERN HOME FUNDING CORP
FHA MORTGAGE DEPARTMENT
373 MAMARONECK AVENUE
WHITE PLAINS, NY  10605
Phone: (914) 421-1363

NOTHNAGLE HOME SECURITIES CORP

1501 MONROE AVENUE
ROCHESTER, NY  14618
Phone: (716) 461-4110

OLYMPIA MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
1413 AVENUE J
BROOKLYN, NY  11230
Phone: (718) 338-7030

ONBANK

101 SOUTH SALINA ST.
SYRACUSE, NY  13221
Phone: (315) 424-4000

ONBANK AND TRUST CO
FHA MORTGAGE DEPARTMENT
101 S SALINA STREET
SYRACUSE, NY  13202
Phone: (315) 424-4475

ONEIDA SAVINGS BANK

182 MAIN ST
ONEIDA, NY  13421
Phone: (315) 363-2000

OSWEGO COUNTY SAVINGS BANK
VICE PRES SERVICING
44 EAST BRIDGE STREET
OSWEGO, NY  13126
Phone: (315) 343-4100

OVERNIGHT FUNDING INC
FHA MORTGAGE DEPARTMENT
1008 E GUN HILL ROAD FLOOR 2
BRONX, NY  10469
Phone: (718) 882-5590

NATIONWIDE HOME LOANS INC
FHA MORTGAGE DEPARTMENT
8400 E PRENTICE AVENUE
GREENWOOD VILLAGE, CO  80111
Phone: (303) 770-9854

NEW FRONTIER BANK
FHA MORTGAGE DEPARTMENT
2425 35TH AVENUE
GREELEY, CO  80634
Phone: (970) 339-5100

NEW HORIZONS MORTGAGE COMPANY
FHA MORTGAGE DEPARTMENT
6343 W 120TH AVE SUITE 110
BROOMFIELD, CO  80020
Phone: (303) 439-6760

NORTH SUBURBAN MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
6363 W 120TH AVENUE SUITE 325
BROOMFIELD, CO  80020
Phone: (303) 450-9880

NORTH VALLEY BANK
FHA MORTGAGE DEPARTMENT
9001 NORTH WASHINGTON STREET
THORNTON, CO  80229
Phone: (303) 452-5500

NORTH WEST MORTGAGE BANKERS IN
FHA MORTGAGE DEPARTMENT
7400 E ORCHARD ROAD STE 2405
ENGLEWOOD, CO  80111
Phone: (303) 290-6789

NORTHERN FINANCIAL MORTGAGE LL
FHA MORTGAGE DEPARTMENT
3780 NORTH GARFIELD
LOVELAND, CO  80538
Phone: (970) 669-0270

NORTHSHORE FINANCIAL GROUP
FHA MORTGAGE DEPARTMENT
67 ALLEN CIRCLE
PINE, CO  80470
Phone: (303) 838-0434

NORWEST BANK BEAR VALLEY NA

5353 WEST DARTMOUTH AVENUE
DENVER, CO  80227
Phone: (303) 989-5353

NORWEST BANK BROOMFIELD NA

2 GARDEN CENTER
BROOMFIELD, CO  80020
Phone: (303) 466-1801

NORWEST BANK COLORADO NA
FHA MORTGAGE DEPARTMENT
1301 JACKSON STREET
GOLDEN, CO  80402
Phone: (303) 279-4563

NORWEST BANK COLORADO SPRINGS

25 NORTH TEJON STEET
COLORADO SPRINGS, CO  80903
Phone: (719) 636-1361

NORWEST BANK COLORADO SPRINGS
FHA MORTGAGE DEPARTMENT
25 NORTH TEJON STREET
COLORADO SPRINGS, CO  80901
Phone: (303) 473-3500

NORWEST BANK DENVER NA

1700 BROADWAY
DENVER, CO  80274-0101
Phone: (303) 861-8811

NORWEST BANK DURANGO NA

1063 MAIN AVE
DURANGO, CO  81301
Phone: (303) 247-3242

NORWEST BANK FORT COLLINS NA
FHA MORTGAGE DEPARTMENT
401 S COLLEGE AVENUE
FORT COLLINS, CO  80522
Phone: (303) 482-1100

NORWEST BANK GRAND JUNCTION-DO

359 MAIN ST
GRAND JUNCTION, CO  81501
Phone: (303) 243-1611

NORWEST BANK GREELEY NA

1025 9TH AVE
GREELEY, CO  80631
Phone: (303) 356-1000

NORWEST BANK LITTLETON NA

5601 S BROADWAY
LITTLETON, CO  80120
Phone: (303) 794-4291

NORWEST BANK MONTROSE NA

401 MAIN ST.
MONTROSE, CO  81401
Phone: (303) 249-2000

NORWEST BANK MONTROSE NA
FHA MTG DEPT
P O BOX 730
MONTROSE, CO  81402
Phone: (303) 249-2000

NORWEST BANK NORTHGLENN NA

10701 MELODY DRIVE
NORTHGLENN, CO  80234
Phone: (303) 452-5111

NORWEST BANK PARKER

10900 S PARKER ROAD
PARKER, CO  80134
Phone: (303) 841-0340

NORWEST BANK PUEBLO NA

201 WEST 8TH STREET
PUEBLO, CO  81003
Phone: (719) 544-5090

NORWEST BANK SKYLINE NA
FHA MORTGAGE DEPARTMENT
1050 17TH STREET
DENVER, CO  80217
Phone: (303) 893-9881

NORWEST BANK SOUTHGLENN NA

2350 EAST ARAPAHOE ROAD
LITTLETON, CO  80122
Phone: (303) 794-3636

NORWEST BANK STEAMBOAT SPRINGS

320 LINCOLN
STEAMBOAT SPRINGS, CO  80477
Phone: (303) 879-0550

NORWEST BANK SUNSET PARK NA

1221 S PRAIRIE AVENUE
PUEBLO, CO  81005
Phone: (719) 561-9030

NOYES MORTGAGE AND LOAN INC
FHA MORTGAGE DEPARTMENT
1569 BRIARGATE BLVD
COLORADO SPRINGS, CO  80920
Phone: (719) 599-0995

OAKCREST MORTGAGE INC
FHA MORTGAGE DEPARTMENT
518 S NEVADA AVENUE
COLORADO SPRINGS, CO  80903
Phone: (719) 578-0005

OLD AMERICAN MORTGAGE COMPANY
FHA MORTGAGE DEPARTMENT
10660 E BETHANY DR BLDG 2
AURORA, CO  80014-2602
Phone: (303) 750-5900

OLDE TOWN MORTGAGE LLC
FHA MORTGAGE DEPARTMENT
5648 OLDE WADSWORTH BLVD
ARVADA, CO  80002
Phone: (303) 423-8880

OWEN FINANCIAL INC
DBA COLORADO MORTGAGE LEADERS
7114 W JEFFERSON AVE SUITE 100
LAKEWOOD, CO  80235
Phone: (303) 986-8113

PACIFIC WEST REALTY SERVICES
DBA PACIFIC WEST MORTGAGE
6635 S DAYTON STREET STE 395
ENGLEWOOD, CO  80011
Phone: (303) 858-8500

PALLADIUM FINANCIAL SERVICES L
FHA MORTGAGE DEPARTMENT
5855 WADSWORTH BYPASS STE A300
ARVADA, CO  80003
Phone: (303) 430-8300

PAON MORTGAGE CO
FHA MORTGAGE DEPARTMENT
222 MILWAUKEE STREET SUITE 402
DENVER, CO  80206
Phone: (303) 329-8736

PARADYME MORTGAGE INC
FHA MORTGAGE DEPARTMENT
5555 DTC PARKWAY SUITE D-2010
GREENWOOD VILLAGE, CO  80111
Phone: (303) 972-7700

PARAMOUNT HOME LOANS INC
FHA MORTGAGE DEPARTMENT
655 BROADWAY 10TH FLOOR PH
DENVER, CO  80203
Phone: (303) 575-0004

PARK GROUP MORTGAGE CO LTD

1777 SO HARRISON NO 1100
DENVER, CO  80210
Phone: (303) 691-3700

PASSLO INC
DBA MORTGAGEMAX INC
3434 FORTY SEVENTH ST STE 105
BOULDER, CO  80301
Phone: (303) 443-5566

PEOPLES CHOICE MORTGAGE COMPAN
FHA MORTGAGE DEPARTMENT
1835 FEDERAL BLVD STE 201
DENVER, CO  80219
Phone: (303) 934-3500

PEOPLES MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
5175 NORTH ACADEMY BLVD
COLORADO SPRINGS, CO  80918
Phone: (719) 531-5577

PHM FINANCIAL INCORPORATED
DBA PROFESSIONAL HOME MORTGAGE
425 S. CHERRY STREET STE 300
DENVER, CO  80246
Phone: (303) 333-8400

PINNACLE MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
1660 S ALBION STREET SUITE 309
DENVER, CO  80222-0000
Phone: (303) 757-4889

PINNACLE MORTGAGE GROUP INC
FHA MORTGAGE DEPARTMENT
7220 W JEFFERSON AVE SUITE 100
LAKEWOOD, CO  80235
Phone: (303) 716-9000

PINYON MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
1873 SO BELLAIRE ST SUITE 635
DENVER, CO  80222
Phone: (303) 756-2441

PLACER FINANCIAL INC
FHA MORTGAGE DEPARTMENT
999 S MONACO PKWY STE 220
DENVER, CO  80224
Phone: (303) 333-2020

PLATTE VALLEY BANK

30 NORTH 4TH
BRIGHTON, CO  80601
Phone: (303) 659-5450

POPULAR MORTGAGE INC
FHA MORTGAGE DEPARTMENT
1001 SOUTH MONACO PKWY
DENVER, CO  80224
Phone: (303) 208-4201

POWERSOURCE LENDING GROUP
FHA MORTGAGE DEPARTMENT
695 S COLORADO BLVD SUITE 110
DENVER, CO  80246
Phone: (303) 777-8886

PRASKI MORTGAGE INC

7125 W JEFFERSON AVE STE 130
LAKEWOOD, CO  80235
Phone: (303) 980-8000

PREMIER MORTGAGE GROUP LLC

7935 EAST PRENTICE AVE STE-104
GREENWOOD VILLAGE, CO  80111
Phone: (303) 220-8855

PREMIER MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
1700 FORTINO BOULEVARD
PUEBLO, CO  81008
Phone: (719) 542-5626

PRESTIGE CAPITAL FUNDING INC
FHA MORTGAGE DEPARTMENT
6500 E QUEBEC ST SUITE 300
ENGLEWOOD, CO  80111
Phone: (303) 267-0403

PRIDE REAL ESTATE LENDING INC
FHA MORTGAGE DEPARTMENT
7220 W JEFFERSON AVE STE 212
LAKEWOOD, CO  80235
Phone: (303) 988-6699

PROFESSIONAL MORTGAGE ALLIANCE
FHA MORTGAGE DEPARTMENT
1745 SHEA CENTER DRIVE STE 190
HIGHLANDS RANCH, CO  80129
Phone: (303) 791-6600

PUBLIC SERVICE CREDIT UNION
FHA MORTGAGE DEPARTMENT
7055 EAST EVANS AVENUE
DENVER, CO  80224
Phone: (303) 691-6466

PUEBLO BANK AND TRUST COMPANY

301 W 5TH
PUEBLO, CO  81008
Phone: (719) 545-1834

PULTE MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
7475 S JOLIET STREET
ENGLEWOOD, CO  80112
Phone: (303) 740-3552

REAL ESTATE MORTGAGE WAREHOUSE
FHA MORTGAGE DEPARTMENT
409 SOUTH WILCOX STREET STE C1
CASTLE ROCK, CO  80104
Phone: (303) 663-6702

REALTY NATIONS MORTGAGE LLC
FHA MORTGAGE DEPARTMENT
2520 SHERIDAN BOULEVARD
DENVER, CO  80214
Phone: (303) 480-3500

REDCLIFF MORTGAGE COMPANY
NO PREMIUMS OWED – NO PHONE
OUT OF BUSINESS – ALL UPFRONT
COLORADO SPRINGS, CO  99999-9999
Phone: (719) 591-5570

REDWOOD FINANCIAL SERVICES INC
FHA MORTGAGE DEPARTMENT
203 4TH STREET
CASTLE ROCK, CO  80111
Phone: (720) 529-1900

REED MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
6000 E. EVANS AVE SUITE 1-011
DENVER, CO  80222
Phone: (303) 662-9490

RESIDENTIAL MORTGAGE COMPANY

3025 SOUTH PARKER RD STE 825
AURORA, CO  80014
Phone: (303) 750-5400

RESIDENTIAL MORTGAGE PROFESSIO

3300 S PARKER RD STE 205
AURORA, CO  80014
Phone: (303) 671-8733

RESIDENTIAL PRIME LENDING LP
FHA MORTGAGE DEPARTMENT
2696 S COLORADO BLVD SUITE 440
DENVER, CO  80222
Phone: (303) 504-4948

RIO GRANDE SAVINGS AND LOAN AS

901 1ST AVENUE
MONTE VISTA, CO  81144
Phone: (719) 852-5933

ROCKY MOUNTAIN BANK AND TRUST
FHA MORTGAGE DEPARTMENT
101 EAST MAIN STREET
FLORENCE, CO  81226
Phone: (719) 784-6316

ROCKY MOUNTAIN MTG SPECIALISTS
FHA MORTGAGE DEPARTMENT
9034 E EASTER PLACE SUITE 102
ENGLEWOOD, CO  80112
Phone: (303) 773-6106

ROCKY MOUNTAIN MUTUAL MORTGAGE
FHA MORTGAGE DEPARTMENT
7550 WEST YALE AVE STE B100
DENVER, CO  80227
Phone: (303) 989-3299

ROSEWOOD MORTGAGE LLC
FHA MORTGAGE DEPARTMENT
3946 MAIZELAND ROAD
COLORADO SPRINGS, CO  80909
Phone: (719) 550-8181

ROYAL LENDING INC
FHA MORTGAGE DEPARTMENT
12265 W BAYAUD AVE
LAKEWOOD, CO  80228
Phone: (303) 984-1906

You’ve had your mortgage for a long time.

The amortization chart shows that the proportion of your payment that is credited to the principal of your loan increases each year, while the proportion credited to the interest decreases each year. In the later years of your mortgage, more of your payment applies to principal and helps build equity. By refinancing late in your mortgage, you will restart the amortization process, and most of your monthly payment will be credited to paying interest again and not to building equity.

Your current mortgage has a prepayment penalty

A prepayment penalty is a fee that lenders might charge if you pay off your mortgage loan early, including for refinancing. If you are refinancing with the same lender, ask whether the prepayment penalty can be waived. You should carefully consider the costs of any prepayment penalty against the savings you expect to gain from refinancing. Paying a prepayment penalty will increase the time it will take to break even, when you account for the costs of the refinance and the monthly savings you expect to gain.

You plan to move from your home in the next few years.

The monthly savings gained from lower monthly payments may not exceed the costs of refinancing–a break-even calculation will help you determine whether it is worthwhile to refinance, if you are planning to move in the near future.

You’ve had your mortgage for a long time.

The amortization chart shows that the proportion of your payment that is credited to the principal of your loan increases each year, while the proportion credited to the interest decreases each year. In the later years of your mortgage, more of your payment applies to principal and helps build equity. By refinancing late in your mortgage, you will restart the amortization process, and most of your monthly payment will be credited to paying interest again and not to building equity.

Your current mortgage has a prepayment penalty

A prepayment penalty is a fee that lenders might charge if you pay off your mortgage loan early, including for refinancing. If you are refinancing with the same lender, ask whether the prepayment penalty can be waived. You should carefully consider the costs of any prepayment penalty against the savings you expect to gain from refinancing. Paying a prepayment penalty will increase the time it will take to break even, when you account for the costs of the refinance and the monthly savings you expect to gain.

You plan to move from your home in the next few years.

The monthly savings gained from lower monthly payments may not exceed the costs of refinancing–a break-even calculation will help you determine whether it is worthwhile to refinance, if you are planning to move in the near future.

If you have been denied credit, insurance, or employment because of information that was supplied by a credit reporting agency, the Fair Credit Reporting Act requires the report recipient to give you the name and address of the credit reporting agency that supplied the information within 30 days after the credit was denied. If you contact that agency within 60 days of receiving the denial notice, you can receive a free copy of your credit report.

If you simply want a copy of your report, call the credit reporting agencies listed in the Yellow Pages under “credit” or “credit rating and reporting.” Call each credit report agency listed since more than one agency may have a file on you, some with different information. You may have to pay a reasonable charge for each report.

Three large national credit bureaus supply most credit reports: Experian, Equifax, and Trans Union. You may want to contact each of them for a copy of your report.

Experian (Formerly TRW ) http://www.experian.com

P.O. Box 949

Allen, TX 75013-0949

(888)397-3742

Free

Equifax Credit Information Services, Inc. http://www.equifax.com

P.O. Box 740241

Atlanta, GA 30374-0241

(800) 685-1111

$8 Fee

Trans Union Corporation http://www.transunion.com

Trans Union Consumer Relations

760 West Sproul Road, P.O. Box 390

Springfield, PA 19064-0390

(800) 916-8800

$8 Fee

When you show proper identification, the credit reporting agency must then disclose to you all its information and identify the sources of that information. The law requires the credit bureau to disclose the “nature and substance” of the information in the file. You must also be informed about anyone who obtained reports for employment purposes in the past two years, plus the names of all others who requested credit reports or other information about you in the past six months.

A consumer reporting agency will send a free report once in any 12-month period upon request of a consumer if the consumer is unemployed and intends to apply for employment in the 60-day period beginning on the date on which the certification is made, is a recipient of public welfare assistance, or has reason to believe that the file on the consumer at the agency contains inaccurate information due to fraud.