companies and subprime mortgage companies???

I have no basis for this answer other than being a homeowner and doing my own very limited research on what options out there would best suit my own needs.I would make a very close comparison between hidden closing costs for the assumption of the loan.. degrees to which the rate would raise if it was an adjustable rate mortgage... and where the funds would ultimately come from .. a fedreally insured company like Fannie Mae / Freedy Mac ... or the riskier realm of privately held firms with excess money to lend out looking for a decent return on their investment that will come from .... you. Go with a fedrally insured program and always a fixed rate.. with one exception.. if the adjustable rate is at least a full precentage point lower and you plan to refinance (or sell)before the first review an adjustable rate may be a better option.

Wholesale mortgage companies are companies that sell to mortgage brokers and other banks their mortgage products, the brokers and other banks then find a retail client (general public). Subprime is answered in a couple of other posts on here.