PITTSBURGH - Integra Mortgage Co. offers a free phone service for potential borrowers to inquire about home mortgage rates and pre-qualifying information. Prequalification is based on the borrower's income, debt, credit report, desired loan type, and desired down payment.

The program, Mortgage Facts, has been available since April in Pennsylvania and Virginia.

Another program, Homebuyers Guarantee, is a written mortgage-loan guarantee that an applicant will receive within seven days of filling out an application at Integra. The interest rate will lock in for 60 or 90 days.

The guarantee confirms the approved loan amount, the maximum home price, the principal and interest payment, and the locked-in interest rate. A fee for the guarantee is credited toward closing costs.

The guarantee is conditional on completion of a satisfactory a property appraisal and a sales agreement.

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