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

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.

Contact at least two lenders and get estimates. Loans are difficult to compare unless you compare identical programs, so it's important to start with an ethical mortgage broker that you can trust to make the right recommendations... the best are ones who come with only positive reviews from your friends, family, or business associates.