Indeed there are very few places now with real asset protection. However, tax haven of Panama is one such place that still enjoys complete company formation privacy and asset protection. Panama constitution provides highest levels of banking and corporate privacy laws in world. With Britain's proposed regulation for removal of bank and corporate book secrecy in UK offshore territories, it is clear that Panama will remain one of only secure offshore financial centers in terms of privacy and confidentiality that is not only respected, but vigorously protected by constitutional law. Panama has no mutual legal assistance treaties for sharing of banking information with any other nation, and does not recognize court rulings from other countries. In fact, revealing banking information to third parties is a crime in Panama, punishable by imprisonment. There is no such thing as "piercing corporate veil" in Panama. Panama Corporations also offer "Bearer Shares", allowing shareholders to maintain 100% privacy and confidentiality.

Check your local newspaper for information about rates and points currently being offered.

Ask for points to be quoted to you as a dollar amount--rather than just as number of points--so that you will actually know how much you will have to pay.

Fees

Besides Points and mortgage rate compare fees.A home loan often involves many fees, such as loan origination or underwriting fees, broker fees, and transaction, settlement, and closing costs. Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates.

Ask what each fee includes. Several items may be lumped into one fee.

Ask for an explanation of any fee you do not understand.

Also, besides Points, Fees and Mortgage rate compare responsiveness of lenders. Make sure you feel comfortable with lender you choose. Remember they’re working for you.