Excerpt:“The best starting point is your bank because they know you, and they can throw terms and rates at you, says Paul Tarins, president and founder of Sovereign Retirement Solution in Winter Park, Florida. But it’s key to use your bank as exactly that — a starting point. In other words, don’t just automatically go with what your bank offers — use that information as a comparison point to see if you can find a better deal. Often, you can. “Lending institutions are competing for your business,” says Tarins. “ The entire article is online Here.