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A: Do not believe the ads you hear. Many are very misleading. While some offer no cost loans their actual interest rate may be much higher than loans with some costs. If you have an existing financial relationship such as a bank or stock broker that is a good place to start. Remember that you should shop for a loan (and a loan broker) the same way you shop for an automobile. Talk to lots of different brokers and get loan information. Look on the Internet for consumer comments at websites. Check with the Better Business Bureau in your area or other governmental agencies such as the California Real Estate Commissioners office to see if a large number of complaints have been filed against a broker. Most important, remember that if it sounds too good to be true it isn't true.

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