I recommend working with a mortgage broker, as opposed to a bank or other lending service, Good Brokers not only know policies and histories of local lending agencies, but they know individuals within the different institution, and their knowledge and connections they will be able to get you the best deal possible. Find one whose commission is paid by the bank, it's one bill you should not have to foot.

Best Regards,
Alessandra Marx
alessandra@elikaassociates.com
http://www.elikaassociates.com

Shop around, ask for referrals. The internet is a good place to get info, http://getprequalified.com. Just make sure that you are comfortable. There is a lot of information to take in. Don't sign anything unless you are completely confident in your choice.

Your credit will have a big impact on what great deals you can get. Banks can offer great deals to buyers with excellent credit. If your credit is not perfect, then it might be better to go with a mortgage broker that will be able to find a great deal. However, you are free to shop around and compare.

Shop around. Always get several quotes within a small time frame and mostly everything is negotiable.