If I could get everyone to visit one site and research... - Utah Home Loans

It would have to be http://www.hsh.com/.  It is a invaluable tool when researching mortgage loans.  It gives realistic rates, not rates driven by brokers vying for your business by cutting their rates below what they can actually give because HSH does not sell leads to mortgage companies. 

I just read their article Is a 'Credit Crunch' Coming to the Mortgage Market? I feel it a must read for all Real Estate Professionals.