We don't think it should be. In fact, we at Hal's Home Mortgage Loans have dedicated our time to making the home mortgage loan process as painless as possible. We use our contacts within the home mortgage loan sectors of all major markets to match you with the loan that fits you best. Our staff is not paid on comission, so you can rest easy knowing we're helping you make the decision that's right for your bank account - not for someone else's!